excellence, with greater consideration of consumer protection in order to deliver excellent financial products and an unsurpassed service experience to all our customers. Meanwhile, KBank places equal

our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives, in order to deliver an excellent

– economy, society and environment – under good corporate governance and appropriate risk management. Guided by the Customer Centricity strategy and resolution of delivering an excellent customer experience

(all IPs) and unique Ips. • This increase is especially so for low-visibility firms as compared to high-visibility firms (as proxied by the bid-ask spread). Interpretation • When the firm has news to be

providers, to be able to operate their businesses with more liquidity and effectiveness. The regulations also help business providers to dedicate their resources into excellent and appropriate goods and

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Economic and political

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

deliver excellent financial products and an unsurpassed service experience to all our customers. Meanwhile, KBank places equal importance on supporting functions which are in harmony with our business

provide smart personalized “Financial and Life Solutions” to the right customer at the right time. We continue our endeavor to deliver an excellent customer experience with ever-greater consideration of

population and relatively low consumption level primed for expansion. OSP also leveraged its strong expertise in glass manufacturing in the overseas market, investing in Myanmar’s only glass bottle factory