business due to the seasonal epidemics and diseases that come with the rain, lead to an increase in medical service utilizations. Moreover, the Company believes that demand for medical services that delayed
lower demand from foreign trading partners affecting the export sector. The local political uncertainties that arose in this quarter further added pressure and caused delayed investment decisions in
including utility bills and tax campaign which temporarily stimulated the private consumption. Nonetheless, inherent risks lay in structural challenges such as high household debt, delayed government budget
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
problems from delayed projects and unexpected budget allocation of Government Projects. Expansion to private sector will result diversification of risk from variety of customers and source of income and cash