capability to serve the enterprise segment, especially in cloud area. As a result, enterprise non-mobile revenue in FY21 climbed 18% YoY and accounted for 3.2% of core service revenue. In addition, AIS

expected credit losses Baht 1,298 million. Such change due to financial asset modification on terms of expected credit losses for “ loans purchased of receivables” Baht 1,292 million ( which is comprised of

ended March 31,2020, the Company recorded a total expected credit losses Baht 1,298 million. Such change due to financial asset modification on terms of expected credit losses for “ loans purchased of

* G. Consequences of a failure to make payments * H. Representative of debt securities holders ม.70 (4) ผูแทนผูถือหุนกู (ถามี) I. Meeting of debt securities holders * J. Modification of Terms * K

management for every customer segment. Customers’ businesses were challenged by international protectionism that continued from the previous year, limited purchasing power at home, and a changing business

Pages Business contributes 7% and 6% of consolidated revenue, respectively. 3. Voice Info Services & Mobile Content Business (Voice & Mobile Content) This business comprisesVoice Info Services Segment and

Management (VBM): KBank has continued to apply VBM concept to risk management at both Bank-wide and segment/product level while setting the direction of credit portfolio and business targets at customer and

loan amounted to Baht 22,102.3 million, decreased by Baht 171.3 million or 0.8% when compared to the end of the year 2019. Table: Loans to Customers Classified by Segment (Unit: Million Baht) Loans to

in sub clause (1) shall be able to prevent: (a) improper modification, disappearance and destruction; (b) using and accessing such stored things wrongfully, inappropriately and unlawfully, especially

million. Such change resulted from financial asset modification on terms of expected credit losses for “loans purchased of receivables” Baht 1,362 million (which is comprised of expected credit losses of