. 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

initiatives abroad, as well as a bullish interest rate trend. As a result, business income and costs were adversely affected. Under these circumstances, KBank put in place more stringent customer approval

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

most cases, does not have specific thresholds, but it defines assets and activities that are considered green. These definitions tend to be relatively broad and less stringent than those of the EU or

region. To counter short-term capital inflows, the Bank of Thailand (BOT) announced three stringent measures to deter Thai baht speculation on November 7, December 4 and December 18, 2006 as follows: ë

systems disrupt listed companies and accounting professions’ operations, and more stringent regulations and newly effective financial reporting standards. These challenges significantly impact the