the ability to pay of customers in the industrial sector. While the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and

time, household spending weakened amid plunging demand and the more stringent measures adopted domestically to contain the virus transmission. Overall, the contraction of spending at home and abroad

government has implemented more stringent on safety and environmental regulations. Also, Indian producers could not produce natural fatty alcohols at competitive price because the government has raised import

the company’s related employees for effective and complete preparedness to ensure that KLeasing will be able to conduct business in strict compliance with laws. 5  Market Conduct The Bank of Thailand

both domestic and international economic policies. Households’ purchasing power and debt servicing capability showed no sign of improvement. Under these circumstances, KBank put in place more stringent

risks. We put in place more stringent customer approval criteria for commercial lending policies, and closely monitored borrowers, especially small and micro businesses, through appropriate

certain business operators’ income and operating costs. Under these circumstances, KBank put in place more stringent customer approval criteria for commercial lending policies vis-à-vis small and micro

negotiations, together with their impact on supply chains and the Thai business sector. We thus put in place more stringent customer approval criteria for commercial lending policies applied to small and micro

place more stringent customer approval criteria for commercial lending policies towards small and micro businesses, focusing on area-based strategies amid the uneven economic recovery. We also prioritize

fatty alcohols plants in Europe and temporary shutdown of some Chinese fatty alcohols plants owing to more strictly safety control and more stringent environmental regulations by their government