repayment capabilities of all borrowers, the Company consider that FP and MHNK Bespoke who are connected persons, may not able to repay loan due to the operating loss. However, both FP and MHNK Bespoke have

Measures for Borrowers during COVID-19 Pandemic The Bank of Thailand issued circular No. BOT.ForNorSor. (23) Wor.276/2563 (2020) Re: Guidelines for Providing Assistance to Borrowers Adversely Affected by the

each area. We continued to prioritize risk assessment through prudent screening and close monitoring of borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track

risk assessment through prudent screening and close monitoring of borrowers. At the same time, KBank has focused mainly on borrowers with good track records, as well as existing low-risk customers

housing loans as most borrowers rushed to submit their loan applications before the effective date of the revised Loan-to-Value (LTV) measures on April 1, 2019. Demand for auto-leasing declined in line with

the credit rating process CRAs should endeavour to issue opinions that help reduce the asymmetry of information among borrowers, lenders and other market participants; Independence and conflicts of

borrowers’ income and expenses and the requirements of commercial banks’ relevant procedures. Therefore, debt quality imporvement may lag ongoing economic expansion. Last but not least, several government

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

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Economic and political

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