heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership
durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our
customer engagement in order to reinforce our digital banking leadership, in support of the national policy of making Thailand a cashless society, we launched a “No Fees” campaign for funds transfer, top-up
businesses. Focus has been on formulating area- based lending strategies given the uneven economic recovery. We continued to prioritize risk assessment through prudent screening and close monitoring of
reinforce the Company’s liquidity and reduce the cost as well. 5 บริษัท เจ. เอส. พ.ีพร็อพเพอร์ตี ้จ ำกดั (มหำชน) J.S.P.PROPERTY PUBLIC COMPANY LIMITED 41/1 ถ.พระรำมที ่2 ซอย 54 แขวงแสมด ำ เขตบำงขุนเทยีน
to certain groups of customers and limited growth in some types of loans amid an uneven economic recovery. In addition, net fees and service income of the banking system continued to enjoy steady
deposit can reinforce the Company’s liquidity and reduce the cost as well. 10) Opinions of the Audit Committee and/or the Directors of the Company having differing opinions from the Board of Directors of
tourists, compared to 5,872,145 people in the pre-COVID-19 period (Jan-Feb 2020), as travel restriction remained in place. In 2021, the recovery of the Thai economy is expected to be fragile and uneven
any conflicts transparently to them. 1.5 Appropriate remuneration structures Institutional investors’ pay structures should reinforce their culture and focus on advancing beneficiary or client interests
, will enhance the Company to expand into new markets and reinforce the business. In addition, it will drive the Company in its journey to become a Health- Driven Global F&B Firm that operates sustainably