decrease 30.3% in repair and maintenance cost from effectively cost controlled and efficient maintenance plan. Cost of sales and service decrease 3.9% YoY from Baht 828.9 million to Baht 796.3 million. The
monitored and controlled to prevent over-exposures in particular sectors, taking into account trend of industry growth and capital impact. Credit Underwriting and Approval KBank has formulated lending
Practices Reporting Fees Related Circular Letter Ombudsmen Procedures Register of Ombudsmen Presented Certificate Ombudsmen Logo Related Circular Letter Appointment/Approval/Code of conducts and Standard