, led to an overhaul in international auditor supervision. The SEC has witnessed a shift from a system of Self-Regulatory Organization (“SRO”) under a professional body to a more stringent regulatory

term, more stringent rules and regulations have been implemented. In response to regulatory changes and introduction of climate change risk management guidelines, businesses must bear increased costs in

failure to design and protect buildings against floods. Such litigation claims could open our company up to unexpected financial loss and reputational impacts. Implemented stringent EHS risk assessments

should ensure that management has implemented appropriately stringent policies and procedures to mitigate the risk of bribery and corruption or other malfeasance. Such policies and procedures should be

stringent emissions reduction trajectory to be credible but not restrictive to the development of this market;  The criteria should take into account and align with current academic research 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

. In 2017, KBank concentrated on balancing between services and credit risk management within each customer segment. As the Thai economic recovery was not yet broad-based, we put in place more stringent

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