businesses. We also prioritize 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

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records or existing low-risk customers, while giving greater weight to digital lending. 2.2 Market Risk

debtors to whom the bill placement has been proceeded according to the billing plan; however, they are still under the process of customer acceptance and final document review before customer payment. For

%, 30.45%, and 22.88% of total trade receivables. Trade receivables are regarded as debtors to whom the bill placement has been proceeded according to the billing plan; however, they are still under the

strictly for debt collection between sales and finance department. As a result, the Group get receive from many outstanding debtors. 2. Proceeds from installment sale increase amount Baht 4.51 million

as debtors to whom the bill placement has been proceeded according to the billing plan; however, they are still under the process of customer acceptance and final document review before customer

the debtors and assessment of both the current and forecast general economic conditions. (in thousand Baht) Allowance for impairment losses 31 December 2019 31 March 2020 Change Consolidated financial

debt repayment insurance for the rest of overseas customers with those financial institution and it is causing the Company to become more confident about debt repayment from debtors. (2) Other current

managed the effects by Reducing the monthly installment burden for debtors with was considered to be affected by the Covid's situation 19. And manage the non-performing debt collection port to the non

be initiated by relevant trade debtors. This will also enhance financial structures of the Company. The sale of Komchadluek Business and Trademark will reduce risks concerning loss since KMM has