time since the inception in 2012. The recent findings in 2019 reflect notable effort by the supervisory agency for supervision of listed companies.The findings suggest that Thai listed companies still

) for 9M 2023 was also notable at Baht 1,846.6 million, compared to 1,509.1 million in 9M 2022. Gain on foreign currency exchange rate was at Baht 144.8 million for 9M 2023, compared to a gain on exchange

support franchise business starters seeking 13 to become an established brand through a franchise credit program and a loan program granted jointly with sponsors, which has been implemented continually and

implemented since the 2nd quarter of 2020. Selling Expenses In the 1st quarter of 2021, selling expenses were THB 174.6 Mn, a decrease of THB 41.0 Mn or 19.0% from the same period of 2020. This decrease was

2022. Core Operating Profit (defined as Earnings before Interests and Taxes exclude interest income, gain (loss) on exchange rate and other irregular items) for 9M 2022 was also notable at Baht 1,509.1

customers’ business and personal needs at any given time. In this quarter, KBank implemented our credit policy in support of government measures. One notable initiative was the loan program offered to

and drought, which have become more frequent and severe. Indirectly, it could lead to transition risk, wherein new rules and regulations are to be implemented to mitigate environmental problems over the

term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of Core Businesses 3.1 Sustainable Development and Corporate Governance Notable progress of KBank’s

situation and evaluate the effectiveness of these implemented measures in due course.”

monitoring and coordinating with the business operators, we have found that they have implemented their BCP to manage possible impacts of COVID-19 and opened an alternative site or installed remote working