to be selected: • Integrity and accountability • Ability to utilize an informed judgment • Being a prudent and mature person and a good listener who is able to advance constructive debates and

and interest rates which are in line with customers’ acceptable risk appetite. Banks are also allowed to use other qualitative and quantitative factors which reflect customers’ potential and ability to

prepared the production of B100 to follow the new standard of Monoglyceride content not exceeding 0.4%. Together with ability to efficiently manage raw material cost, gross profit was improved from the

the quarter. However, from the increase of the B100 products price combined with the ability to efficiently manage raw material, thus improving gross profit. As for the Ethanol Production and

following matters: (1) characteristics of the real estate, for instance, location, entrance and exit, opportunities for generating income and various encumbrances of such real estate; (2) the ability of the

’ over- sight system (mutual reliance) and increase the ability of Thai listed companies to raise funds in EU countries. • Asian Corporate Governance Association (ACGA) and CLSA Asia-Pacific Markets

’ debt servicing ability. 5 1.3 Regulatory Changes2 Significant regulatory changes in 2017 that may have affected KBank’s and K Companies’ business operations included:  Relaxation of Foreign Exchange

minimum requirement, reflecting the system’s ability to support ongoing loan expansion. Commercial banks’ liquidity management is expected to focus on readjusting deposit structures and managing costs in an

capture the ultra luxury customer segment as well as growing customization ability for customers. Management Discussion and Analysis (MD&A) for the year ended 31 December 2019 F IN A N C IA L P E R F O R M

. Without proper and timely adjustment, competitiveness and debt servicing ability of the business sector may be jeopardized, which would eventually affect KBank’s asset quality. 1.3 Significant Regulations