shall render the company is capable of efficiently preventing risk in information technology and it attain an assessment the risk in information technology in the better level. In Nevertheless, the
is capable of efficiently preventing risk in information technology and it attain an assessment the risk in information technology in the better level. In Nevertheless, the securities company may
stringent customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. We continued to prioritize risk assessment through prudent screening and close monitoring of
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 low-risk customers
the transmission of information among various KBank units. Significant efforts range from the classification and assessment of risks arising from data usage to the installation of systems allowing KBank
businesses. Focus has been on formulating area- based lending strategies given the uneven economic recovery. We continued to prioritize risk assessment through prudent screening and close monitoring of
company's true earnings from its normal operations. To exclude the assessment of the fair value of net assets and allocation of business acquisition costs as well as the effects of accounting standards, in
material aspects and that no important information, which should be disclosed, is omitted. 13. Opinion of an independent expert The Company appointed American Appraisal ( Thailand) co. , ltd. , a certified
rental area is 1,359.12 square meter located on no. 486 Onnut Road (Sukhumvit 77) SuanLuang Sub-District SuanLuang District Bangkok Province with the appraisal data from 2 independent property appraisers
the appraisal data from 2 independent property appraisers registered with the SEC as follows: Subject KK Valuation Co., Ltd Bangkok Valuation and Consultant Co., Ltd Asset Type Leasehold right of