the loan interest rate to assist customers impacted by COVID-19 pandemic together with more conservative loan approval. However, the bank’s interest expenses dropped from the reduction of the

received from the capital increase, which will be used for the Company’s business expansion and investment, the Company will be joined by a group of shareholders having experience and capability to assist

expansion and investment, the Company will be joined by a group of shareholders having experience and capability to assist and ensure well and more efficient policy determination, administration and

simplified approval process to customers, with only collateral required, to assist small cash-based operators to better access funding sources. Moreover, KBank worked with TGIF Market to help shop owners sell

, assessed and developed in every service channel including physical branches, electronic branches, banking services outside branches, digital channels, K-Contact Center and KBank Service for appropriate

as indicated in the table above which is assessed from Discounted Cash Flow method according to the shareholding of NMG in each business. The Board of Directors is of the view that the recommendation

loss from crude oil hedging contract and loss on foreign exchange. Other important events in this quarter:  BCPG Plc. which is a subsidiary of the company, assessed the fair value of assets and

debenture instead of cash (Payment in kind) , would assist and support the Company to have a better opportunity seeking for an environmental engineering project. Furthermore, it is a synergy and an increase

, valuations and statistical analyses contained herein have been provided to assist the recipient in the evaluation of the matters described herein; such projections, valuations and analyses may be based on

disclose information and the vision of the management in order to assist investors to better understand the company's financial status and operation. It also supports the "Good Corporate Governance Project