loan repayment to lessen the company?s interest burden. The aforesaid risks can, however, be avoided in case GJS arranges to have a clear, strict, and concise internal control system with efficient

highly strict of relevant laws and also the various ways of approach the customer. Customer Service Representative Outsourced for this increased by THB 42.8 million or 43.1% when compared to the prior new

while many surveyed markets failed to do so. In addition, the SEC?s strict review on financial statements of listed firms led to orders of special audit or rectification to ensure correct information for

million baht or down by 1.62% from the previous year. To this, the selling expenses decreased by 0.95 Million Baht or decreased of 2.62% from last year. The main factor was due to a stringent control of

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