Offeror :  | Date of submission of the Statement of Intention : 29/10/2010

Offeror :  | Date of submission of the Statement of Intention : 09/11/2010

%. Meanwhile, total interest-bearing debt stood at THB 9,529 mn, a decrease from THB 17,904 mn from the previous year as a result of effective financial management to match the money and capital markets

: While the company’s shareholding is concentrated with substantial influence from its founder, the risk is partly mitigated by its listing status and good financial disclosures. • The company was upgraded

lending policies to match each industry to be better suited to the prevailing circumstances. At the same time, KBank has remained cautious in credit underwriting of retail customers’ loans, and focused

and services to match customer needs, presenting credit proposal to credit underwriters according to the defined approval authorities, and continual monitoring customer status. 14 For retail customers

been embraced and applied to match students’ lifestyles. Notable endeavors include the launch of an application for enhanced learning efficiency and support of cashless transactions among on-campus shops

, we have expanded our financial services within Thailand and the region alike, for the purpose of saving and investment, borrowing, transactions and risk prevention. In parallel, we have upgraded our

’ Life Platform of Choice”, we have upgraded our capability in data compilation and analytics, allowing us to understand and anticipate each individual customer’s needs under the “Segment of One” while

financial profile. RMs are responsible for analyzing and proposing suitable credit products and services to match customer needs, presenting credit write-ups to credit underwriters according to the defined