payment, used as a business security or for mortgage purpose. This new legislation will promote and support investment in property and be conducive to the country’s economic growth as a whole. 13. Life

, representing 0.89%. 3.3 Investment In previous year, the Company was not increase the investment because the political circumstance and the economy condition were not conducive to investment, however; the

conducive to the continuation of economic growth and was appropriate given the inflation target. However, the MPC cited that the need for currently accommodative monetary policy would be gradually reduced

and tax documents. This will create an environment conducive to innovation development by adopting good processes in issuing and reviewing criteria to promote innovations. This will reduce service

during the preceding year including the factors conducive to business opportunities or constraints – for example, acquisition of business license, concession or investment promotion – and clarify the

capabilities in order to provide the maximum possible benefit to all stakeholders, thus being conducive to the nation’s sustainable growth. KBank recognizes the importance of good corporate governance, which is

innovation. Describe the characteristics of each product or service to give investors an understanding of the Company's nature of business during the preceding year including the factors conducive to business

investors an understanding of the Company's nature of business during the preceding year including the factors conducive to business opportunities or constraints – for example, obtaining a business license

Bank of Thailand for greater efficiency in synchronization with international standards while keeping abreast of the fast-changing technology. The Act should be conducive to national economic stability