allowance for doubtful accounts, the Company setup THB 4.03 million for doubtful debts during this period by the simplified approach to consider loss that was resulting from a decrease in time value of money

, 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

ทีป่รกึษาการลงทุน (Advisory Fee) 413.37 0.153 ไม่เกนิรอ้ยละ 0.50 ค่าจดัตัง้และจดทะเบยีนกองทุน (Setup and Registered Fund) 20.99 0.008 ตามทีจ่่ายจรงิ ค่าใช้จ่ายอืน่ๆ ในการด าเนนิโครงการ (Others Operating

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

aspects of biases comprising (1) emotional or preference biases: focusing on present rather than future incidents; (2) belief bias: making conclusion based on too small sample size while associated risks

profiles on dating platforms or social media using photos of attractive people and will fabricate sympathetic or impressive life stories. They spend time building an emotional connection with the victim