quality management, thus achieving greater efficiency. 14 Regarding debt collection from large business customers, KBank assesses debt quality closely, using established indicators to ensure timely

Thai debt market. To cope with domestic and international economic and political uncertainty, as well as rapid changes in fund flows as above, KBank is closely monitoring the situation and assessing

-19 continuously. As for the operations side of the business, the situation is closely monitored and assessed to adjust its business plan accordingly, and complied the strict measures on cost reduction

slightly decrease of the fuel adjustment charge (Ft) for the collection of September - December 2020 of 0.83 Satang/unit resulting in the Ft of -12.43 Satang/unit. Besides, the GPSC has been closely

flows as above, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk management under the supervision of the Enterprise Risk Management Division

lower than normal level. The Company has closely monitored the situation and has prepared approp riate measures for the drought situations. The effect of new accounting standards announcement (Effective