international protectionism, limited purchasing power at home, and a changing business landscape due to digital disruption. KBank thus put in place more stringent customer screening criteria, particularly for

services and developing new applications for corporate sector, as well as focusing on stringent cost and SG&A control. In 2016 and for 6-month period ending 30 June 2017, Voice Info Services & Mobile Content

new government. Furthermore, digital disruption continued to negatively impact certain business operators’ income and operating costs. Under these circumstances, KBank put in place more stringent

stringent customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. We continued to prioritize risk assessment through prudent screening and close monitoring of

is growing instead of print media. Combined with the rigorous policy of reducing costs particularly, the voluntary redundancy program that company has started since the fourth quarter of 2016. However

companies and derivative business operators take full ownership of the written BCM policy and enforce strict implementation of the BCM plan. In case of outsourcing business functions to service providers, the

Investigation (DSI), the Ministry of Justice, to discuss situations in the stock exchange and update progress on the measures for building trust and confidence in the capital market, especially regarding strict

website in the country. The digital media is growing instead of print media. Combined with the rigorous policy of reducing costs particularly, the voluntary redundancy program. In addition, in the fourth

clients were affected by an outbreak of COVID-19, and hence postponed services of the Company due to strict preventive measures limiting access of external parties into the clients’ sites. Please be

be certified or registered and subject to inspection by relevant governmental agencies, strict supervision imposed on limited companies or public limited companies should not apply. This would allow