criteria for commercial lending policies, prioritizing risk assessment through prudent screening and close monitoring of borrowers, especially those in small and micro businesses. Moreover, we adjusted
accepted accounting principles. The company did not arrange the assessment of value and quantity of small-sized gas cylinders and record allowances for impairment in accordance with generally accepted
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
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
their highest benefit, support of financial service competition, transparent data disclosure and maintenance of financial stability, among others. Meanwhile, commercial banks’ customers, especially small
customer approval criteria for commercial lending policies, and closely monitored small and micro businesses. At the same time, KBank has been continually cautious in credit underwriting of retail customers
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
customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. Focus has been on formulating area- based lending strategies to match the different natures of businesses in
shareholders at June 30th, 2019 book value of 1.85 Million Baht. Which altered the company’s share from 49% to 100% by paying 0.94 Million Baht which counted as small transaction size. The Company has paid for