กรณีท่ีเป็น การเสนอขายหลกัทรัพยต่์อผูล้งทุนในกลุ่มแรก (sophisticated investor) ซ่ึงไดรั้บการสันนิษฐานวา่เป็น ผูล้งทุนท่ีมีความรู้ความเขา้ใจในเร่ืองความเส่ียงท่ีเกิดจากการลงทุน กฎเกณฑท่ี์ก ากบัดูแลจึงผอ่น
tourists, compared to 5,872,145 people in the pre-COVID-19 period (Jan-Feb 2020), as travel restriction remained in place. In 2021, the recovery of the Thai economy is expected to be fragile and uneven
from data analytics, enabled banks to target, attract and engage customers using more sophisticated techniques. Banks cooperated with potential partners across industries to gain new opportunities and
geopolitical situations remain risk factors affecting economic activities of Thailand’s trading partners. At the same time, uneven recovery of household purchasing power may be further hindered by the floods in
only gradually picked up. Even then, such growth remained uneven; improvement was seen only in certain businesses and in some areas. On the downside, however, trade policy uncertainty, in particular
responsibilities of ownership are appropriately and fully delivered in their interests and on their behalf by those agents. As sophisticated investors with influence, often including voting rights, institutional
durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our
businesses. Focus has been on formulating area- based lending strategies given the uneven economic recovery. We continued to prioritize risk assessment through prudent screening and close monitoring of
Risk Management During the first quarter of 2018, the Thai economy saw an uneven recovery amid limited growth in consumption, weak farm income and risks from uncertain trade policies and protectionist
, businesses and payment have shifted into the digital realm. Meanwhile, cyber threats have become more sophisticated, as seen from their application of state- of-the-art technologies. Against this backdrop