do foresee that this business will pick-up in Q4 and next year, even if the sector in general remains under stress, as our new pioneering flux product gains traction replacing imported alternative

business continuity plan to minimise disruption to operations and ensure that the business remains viable during the virus outbreak. • Perform stress test to evaluate impacts on the business, financial

implemented a COVID-19 business continuity plan to minimize disruption to operations and ensure that the business remains viable during the virus outbreak. • Perform stress test to evaluate impacts on the

cost of sales being the most frequently recurring themes. Many different factors may have led to such persistent deficiencies of some audit firms and auditors. This includes insufficient involvement of

loan & Sharehol period end ht more tha short-term d in future, w ht as a resu of Q3/2017 ebt to equity orward of collectio rrently, the stress debt w business, JM and return a set-up of c nce of the C

worldwide is expected to show improvement, which is likely to coincide with gradually rising inflationary pressure. Inflation is set to edge up amid soaring oil prices in the global market where this year’s

processes and econometric models for stress testing to ensure that KBank’s business growth is within the approved risk limit while improving efficiency in our risk and loan loss reserve management as well as

arise from the implementation of the new accounting standard.  Enhancement of processes and econometric models for stress testing to ensure that KBank’s business growth is in line with our risk appetite

share- holders (through what is known as 'tunnelling' 3 ), or misrepresenting an individual company's financial statements (of particular concern where the company is under pressure to meet expectations

to put pressure on consumers’ mobile spending. Unlike 1Q21, there were no government stimulus campaigns aimed at boosting consumer spending in this quarter. Mobile competition remained aggressive due