income surged significantly, especially the 19% increase in bad debt recovery. However, this year the Company will focus on fee-based income expansion. Revenues Structure Profit and Loss Statement Unit

that effective actions are taken in a timely manner to cope with a highly volatile market. KBank has also placed importance on efficient risk management under the supervision of the Risk Oversight

the industrial sector. While the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and focus on specific customer groups to

in this quarter and focus on specific customer groups to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht

of the virus has caused demand for consumption of fuel around the world to decline with significance. This factor is putting pressure on the price of crude and finished product to drop significantly

on condition that such exempted requirement: (a) is dispensable for providing services to a client ; (b) is inconsistency or inappropriateness with conditions of such intermediary ’s business; (c) is

business undertaking; “executive” means an executive under the Notification of the Securities and Exchange Commission on Qualifications and Prohibited Characteristics of the Executives of a Securities

company has acquired during the course of business undertaking; “executive” means an executive under the Notification of the Securities and Exchange Commission on Qualifications and Prohibited

” means an executive under the Notification of the Securities and Exchange Commission on Qualifications and Prohibited Characteristics of the Executives of a Securities Company; “investor contact” means

Acknowledg Committee a 1.1 Ms.Pi 1.2 Mr.Su Effective fro Approved t replace the 2.1 Ms. Comm 2.2 Mr. S tion on the Directors, a nd Manager Exchange o orm for Re Audit Comm nformation M amended No ectors’ meet