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
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
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
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
customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. Focus has been on formulating area- based lending strategies to match the different natures of businesses in
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
customer approval criteria for commercial lending policies, and closely monitored small and micro businesses. At the same time, KBank has been continually cautious in credit underwriting of retail customers
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
percent, as well as reducing and postponing CAPEX spending by 15 percent. As for liquidity management, the company established measures for credit line approval, closely monitoring and collecting customer
approval authorities, and monitoring of customer status continually. For our consumer loan customers whose main products comprise home loans, credit cards and other types of financing, including loans for