, KBank has centralized credit operations covering legal and contract-related arrangement, preparation of collateral agreements, credit limit setup, credit disbursement, credit-related document storage and

operations, KBank has centralized all necessary functions after customers’ credits have been approved, including legal and contract- related matters, preparation of collateral agreements, credit limit setup

, preparation of collateral agreements, credit limit setup, credit disbursement, credit-related document storage and credit data support. KBank also set up processes to monitor customer credit-utilization

foreign currency forward contract bought in preparation for the 3E project, of which the contract price was lower than the spot price. 7. Gains on foreign exchange was recorded at THB 415 million, a