are designed to meet the demand from customers in three main areas: the "Small concept" - a cozy compact style, located in shopping centers; the “Select concept” - to serve all customer needs for
their highest benefit, support of financial service competition, transparent data disclosure and maintenance of financial stability, among others. Meanwhile, commercial banks’ customers, especially small
place more stringent customer approval criteria for commercial lending policies towards small and micro businesses, focusing on area-based strategies amid the uneven economic recovery. We also prioritize
government’s investment projects. Nonetheless, small business and retail loans may see only limited growth amid a feeble recovery in purchasing power. Close attention should be paid to competition in the market
Solutions representing 84.7% of our revenue while Financial services representing 12.2% and other income representing a small 3.1%. HR Solutions Revenue from HR Solutions closed at 151.81mb (Q1 2019: 108.59mb
hold small-scale seminars in other provinces nationwide to allow our clients residing there to gain access to world-class knowledge. Affluent KBank prioritized expansion of new customers with potential
(excluding FX rate effect and a gain on equity interest in an associate) rose significantly by 28.6% from the previous quarter as a result of higher sales and better economies of scale at the new plant. This
sectors. Tourism was heavily affected by airspace and border closures, while merchandise exports fell sharply as demand from major trading partners fell, impacting both manufacturing production and domestic
negotiations, together with their impact on supply chains and the Thai business sector. We thus put in place more stringent customer approval criteria for commercial lending policies applied to small and micro
customer screening criteria. In particular, more rigorous requirements have been set for small and micro businesses as well as retail customers, while we have acquired customers with stronger financial