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slow in the foreseeable future as financial institutions sort through their rising credit costs. It should be noted that demand for new cars does not reduce but actual sales reduced due to more limited

, KBank has centralized credit operations covering legal and contract-related arrangement, preparation of collateral agreements, credit limit setup, credit disbursement, credit-related document storage and

operations, KBank has centralized all necessary functions after customers’ credits have been approved, including legal and contract- related matters, preparation of collateral agreements, credit limit setup

, preparation of collateral agreements, credit limit setup, credit disbursement, credit-related document storage and credit data support. KBank also set up processes to monitor customer credit-utilization