housing loans as most borrowers rushed to submit their loan applications before the effective date of the revised Loan-to-Value (LTV) measures on April 1, 2019. Demand for auto-leasing declined in line with

Company must coordinate with the lenders to release shares to be sold and transferred to the sellers. 3.2 Size of Transaction The disposition transaction is considered under the Notification of the Capital

Bank PCL and CIMB PCL. The Company must coordinate with the lenders to release shares to be sold and transferred to the sellers. 3.2 Size of Transaction The disposition transaction is considered under

borrowers’ income and expenses and the requirements of commercial banks’ relevant procedures. Therefore, debt quality imporvement may lag ongoing economic expansion. Last but not least, several government

risks. We put in place more stringent customer approval criteria for commercial lending policies, and closely monitored borrowers, especially small and micro businesses, through appropriate

criteria for commercial lending policies, prioritizing risk assessment through prudent screening and close monitoring of borrowers, especially those in small and micro businesses. Moreover, we adjusted

businesses. We also prioritize risk assessment through prudent screening and close monitoring of borrowers. At the same time, KBank has focused mainly on borrowers with good track records, as well as existing

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records or existing low-risk customers, while giving greater weight to digital lending. 2.2 Market Risk

preserving policy space. The MPC deemed the government’s announced relief measures and loan repayment measures to assist borrowers affected by the Covid-19 would more directly address the problems than

obliged to provide over-allotment shares for delivering to allocated persons or returning to lenders according to the obligation of over allotment of shares pursuant to the Notification of the Capital