business continuity plan to minimise disruption to operations and ensure that the business remains viable during the virus outbreak. • Perform stress test to evaluate impacts on the business, financial

implemented a COVID-19 business continuity plan to minimize disruption to operations and ensure that the business remains viable during the virus outbreak. • Perform stress test to evaluate impacts on the

.), beverage capacity expansion in Thailand and investment in a new beverage factory in Myanmar. Inventories increased by THB 714 million due to preventive measures to mitigate supply chain disruption and

the audit quality control system, and closely monitored the COVID-19 pandemic situation to adjust the oversight approach and communication with stakeholders to meet the changing situation. In so doing

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

-changing consumer behavior. Given the increased degree of uncertainty in global economies and politics, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Within this

new government. Furthermore, digital disruption continued to negatively impact certain business operators’ income and operating costs. Under these circumstances, KBank put in place more stringent

through big wholesaler stores in most provinces and supporting smaller retailers through sales materials. Besides the distribution disruption, negative factors affecting tourism in Thailand still emerged

. As in Q1 the main lime consuming sectors of the industry were not immune to the disruption: the sugar cane harvest was down and uncertainty in the steel industry has caused volumes to drop year on year

743.1 million baht. Even though the COVID- 19 pandemic bringing significant disruption to business, The Group still maintains the profit attributable to equity holders of the company amount of 707.1