... [บริษัทนี้ยกเลิกการใช้งาน] TrueVisions... A&P SIAM NEO GROUP PUBLIC COMPANY LIMI... A-HOST COMPANY LIMITED A.C RECORDS COMPANY LIMITED A.J. PLAST PUBLIC COMPANY LIMITED A.P.F.HOSPITALLITY COMPANY LIMITED

clients. In addition, we remained cautious in credit underwriting of small and micro businesses, and focused mainly on existing customers with good track records or classified as low-risk customers. 2.2

cost following the widened average DTD/DB spread. Further, crude oil price significantly drop during the year end, led to the refinery business to record Inventory Loss of THB 1,489 million Management

low and has continued to drop from the beginning of the year, due to increase of oil palm with respect to weather conditions that supports increase palm yields, combined with domestic Crude Palm Oil

the drop in the cost of raw materials of CHPP following the progress of EPC work. However, the proportion of revenue that decreased is larger than the decrease in cost of raw materials, resulting in a

quarter, other domestic refineries had undergone Turn Around Maintenance, causing domestic supplies to drop. As for the retail market, sales volume increased 2% from the previous quarter, as such the retail

result of the decrease of Availability Payment of GHECO-ONE following the drop in Weight Factor in Q3/2019 and the appreciation of Thai Baht in relation to US Dollar, together with the decrease in gross

borrowers with good track records, as well as existing low-risk customers. Early warning signs were also developed with the use of transactional data for enhanced efficiency in risk monitoring and portfolio

mainly on borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Overall, movements in foreign exchange and interest rates at home and abroad remained

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