reclassification of risky industries, and those industries under control. At the same time, KBank has remained cautious in credit underwriting of retail customers’ loans (consumer loans), and focused mainly on

addition, they have to maintain prudent credit underwriting policy and be prepared for regulatory changes regarding the Basel III capital requirements and the International Financial Reporting Standards

mainly from the hire purchase, housing and corporate lending segment. The Bank continues with prudent measures in regards to loan growth and portfolio monitoring taking into careful considerations the

rules governing dispute settlement between retail investors and intermediaries to adjust the arbitration process in line with the current economic environment, international standards and relevant laws

because the second quarter is low seasonal quarter of the advertising business. The economy began to recover, many companies are cautious to spend on advertising. However, customers who focus on content

3) Advertising income was Bt1mn, decreased 1232.0% YoY because the second quarter is low seasonal quarter of the advertising business. The economy began to recover. Many companies are cautious to

) Advertising income was Bt1mn, increased 1232.0% YoY because the advertising business was slowdown in the last period. Many companies are cautious to spend on advertising. In this year, customers who focus on

year 2019. The loan receivables outstanding balance stood at 3,678 million Baht or a decline by 8.8% from the ending of 2018. The Company is very cautious to lending consumers. Moreover, the Company

-19 pandemic, the Company has been more cautious in managing the investment portfolio to mitigate risk exposures, which may result in lower-than-expected investment return. Our subsidiaries have

inflationary situation of the country's economy, causing the consumer purchasing power to decrease, together with the concerns of users about future inflation. As a result, users were more cautious in their