three major loan products. In detail: (1) K-Home Loan: To improve our customers’ access to loans, we extended repayment period for K-Home Loan for Multi Purpose to 30 years in order to cut their monthly

maintain risks within prudent limits. 8 2.3 Liquidity Risk Management Overall liquidity in the Thai banking system eased during the first quarter due to a decrease in loans amid brisk repayment of working

30, 2019 which was quarterly, principal repayment at rate of MLR minus percent of fixed rate per annum - Long-term loans from TMB was of Bt2,250.0 million due on April 30, 2026 with 3 years grace

system for obligation repayment under derivatives and delivery of the underlying goods under derivatives (if any) by an approved person for operation under a regulatory sandbox in the same manner as a

or through a third party. In the case where the approved person for operation under a regulatory sandbox in the same manner as a derivatives exchange arranges a system for obligation repayment under

- Long-term loans from TMB was of Bt2,169.6 million due on April 30, 2026 with 3 years grace period and quarterly, principal repayment: Bt80.4 million/period (the last repayment will be made for remaining

expenses decreased from THB 6.1 Mn in the 3rd quarter of 2018 to THB 0.0 Mn in the same period of 2019, a decrease of THB 6.1 Mn or 100.0%. This was due to repayment of loans from commercial banks following

leveraging of our strength as Thailand’s number-one digital banking provider, with the aim of becoming the Customers’ Life Platform of Choice under our core strategy of Customer Centricity for our business

cost for the solar energy unit Baht (0.28) million. It was since the repayment of long-term borrowing in the solar energy business. Income tax Income tax decreased Baht (2.22) million, which was mainly

Baht 90,246.34 million, a decrease of Baht 4,682.03 million or 4.93% from the end of prior year. The drop mainly came from the reduction of cash which was used for loan repayment and the decrease of