enforcement of strict measures, for instance, operational lock-down, state quarantines and travel restrictions in Thailand, Malaysia and Indonesia. Consequently, most of business activities were temporarily

. In 2017, KBank concentrated on balancing between services and credit risk management within each customer segment. As the Thai economic recovery was not yet broad-based, we put in place more stringent

international protectionism, limited purchasing power at home, and a changing business landscape due to digital disruption. KBank thus put in place more stringent customer screening criteria, particularly for

both domestic and international economic policies. Households’ purchasing power and debt servicing capability showed no sign of improvement. Under these circumstances, KBank put in place more stringent

risks. We put in place more stringent customer approval criteria for commercial lending policies, and closely monitored borrowers, especially small and micro businesses, through appropriate

certain business operators’ income and operating costs. Under these circumstances, KBank put in place more stringent customer approval criteria for commercial lending policies vis-à-vis small and micro

negotiations, together with their impact on supply chains and the Thai business sector. We thus put in place more stringent customer approval criteria for commercial lending policies applied to small and micro

place more stringent customer approval criteria for commercial lending policies towards small and micro businesses, focusing on area-based strategies amid the uneven economic recovery. We also prioritize

European Commission (EC); (b) an independent agency which has a duty to regulate auditors in the countries where the assessment result of its regulatory standards under the Financial Sector Assessment

performance recovery by strict cost control and cost reduction and ramping up asset utilization to manage fixed costs. In Q3/2019, we have recognized apparent expenses decrease. This contribution leveraged our