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

preparation for stringent preventive measures at AGM, it may not sufficiently address the rapidly changing situation and uncertainties ahead. The Board of Directors no. 5/2020 held a meeting on 27 March 2020 to

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

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

prevention of fraud and shareholder exploitation by listed companies. The SEC has also imposed a more rigorous supervision to ensure listed companies? compliance with the accounting standards. In promoting

the highly strict of relevant laws and also the various ways of approach the customer. 2.3 Revenue from Customer Service Representative Outsourced for this quarter was THB 33.5 million, decreased by THB