the transmission of information among various KBank units. Significant efforts range from the classification and assessment of risks arising from data usage to the installation of systems allowing KBank

agreement periods that the company obtains the benefits. Note: 1. In the first quarter of 2019, the company has changed the classification of operating income and cost of sales resul ting in the operating

of intangible asset from the acquisition of GLOW 2. From the second quarter of 2019, the company has changed the classification of operating income and cost of sales resultin g in the operating income

Power BI visualization of our results can be accessed at http://bit.ly/2PjAo2L. Keywords: equity mutual funds, risk-adjusted return, flow-performance relationship JEL Classification Code: G11 http

customers’ and KBank’s important data, primarily taking into account proper data storage and use. To this end, we prioritize data classification, assessment of risk from data use, and installation of a system

classification, measurement of financial assets and financial liabilities, impairment of financial assets and hedge accounting, KBank’s consolidated net profit for the first quarter of 2020 totaled Baht 6,581

accounts 73,268 70,004 60,430 Total allowance for doubtful accounts from loan classification 144,556 137,711 121,832 Add Revaluation allowance for debt restructuring 2,251 2,310 2,614 Total allowance for

doubtful accounts 60,874 60,430 61,214 Total allowance for doubtful accounts from loan classification 127,396 121,832 116,808 Plus revaluation allowance for debt restructuring 2,522 2,614 2,710 Total

27,815 Total 1,943,380 1,982,279 1,945,746 67,431 66,522 55,594 Add Excess allowance for doubtful accounts 66,047 60,874 61,214 Total allowance for doubtful accounts from loan classification 133,478

shares at par value of GBP 1.00. As this result, the Company has acquisition of control, planning and policy in ICUK that the classification of investments in ICUK as an investment in a subsidiary from the