2017 due to the Government Procurement and Supplies Management Act B.E. 2560 that is more stringent and resulted in government agencies becoming more cautious in spending. For domestic sectors

safety control and more stringent environmental regulations by its government. In 2Q/2019, the company had a plan to turnaround both of methyl ester plant 1 and fatty alcohols plant which are located at

and Short Chain demand was also slow down due to an increase of customer’s factory cost from more strictly safety control and more stringent environmental regulations by Chinese government. In addition

new government. Furthermore, digital disruption continued to negatively impact certain business operators’ income and operating costs. Under these circumstances, KBank put in place more stringent

-oriented production were on the ebb. Furthermore, digital disruption continued to negatively impact certain business operators’ income and operating costs. Under these circumstances, KBank put in place more

term, more stringent rules and regulations have been implemented. In response to regulatory changes and introduction of climate change risk management guidelines, businesses must bear increased costs in

time, household spending weakened amid plunging demand and the more stringent measures adopted domestically to contain the virus transmission. Overall, the contraction of spending at home and abroad

both domestic and international economic policies. Households’ purchasing power and debt servicing capability showed no sign of improvement. Under these circumstances, KBank put in place more stringent

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

certain business operators’ income and operating costs. Under these circumstances, KBank put in place more stringent customer approval criteria for commercial lending policies vis-à-vis small and micro