. Restriction on utilization of real estate has been removed by adding right-based asset as a new asset class which involves the right to use properties that can be transferred and placed as a guarantee for debt
expenses of THB 2.69 million and an additional financial cost of 0.28 million. Progress on court’s consideration and legal enforcement of the main debtors 1.1 Media Agency Thai Co., Ltd. is a debtor in the
era to aid our customers in their business operations. In the third quarter of 2019, KBank granted support to customers in food and beverages, real estate and leasing businesses through their issuance
and Exchange; “Stock Exchange” means the Stock Exchange of Thailand according to the Law on Securities and Exchange; “beneficial owner of derivatives traded by a client” means: (1) an owner or co-owner
brighter investment outlook, and ongoing growth in tourism. At the same time, the real estate and construction sectors grew modestly, with expansion seen only in certain areas. Likewise, consumption fared
effectiveness of pandemic control and vaccine development, the economic damage may be worse than what was seen during the 1997 financial crisis. Given volatility in the financial market and real sector which had
prudent credit policy in order to maintain overall portfolio quality. We thus held co-promotions with our real estate business partners targeting specific groups of customers through the offering of a
excluding the release of excess loan loss reserve, credit cost amounted to 2.40% of average loan with increase partly due to the provisions for loan commitments and financial guarantee based on TFRS 9. Basic
provisions for loan commitments and financial guarantee based on TFRS 9. Basic earnings per share at Baht 1.75 per share. Annualized Ratios 1Q19 2Q19 3Q19 4Q19 2019 1Q20 Net Profit (Baht million) 1,228 1,471
low-risk customers. Regarding home loan, we will revise our credit policy to be consistent with the Bank of Thailand’s macroprudential measure to be implemented to preclude speculation in the real