, the Company has been careful and selective during the current economic situation and can maintain 1.3% NPL ratio. As at the end of 3Q2020, the total number of “Boonterm Kiosk” was 130,065 kiosks. The

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

delivering an excellent customer experience in order to empower every customer’s life and business, we prioritize the offering of attentive and inclusive services as a trustworthy service provider. We can

reclassification of risky industries, and those industries under control. At the same time, KBank has remained cautious in credit underwriting of retail customers’ loans (consumer loans), and focused mainly on

around the globe turned cautious as investors resorted to increasing their holdings of safe-haven assets, prompting Thai and US bond yields to drop across all maturities. The Federal Reserve was thus

vulnerable, however, many central banks may adopt a cautious stance in their monetary policies, primarily taking into account the right timing to mitigate possible foreign exchange volatilities as well as

-approved and backlog, 70% higher than the sales at the end of 2019. Although, MK received a lot of bookings from customers, MK was very careful in ordering the construction of new housing units. The Company

business sectors even though there will be a better direction. However, consumers are still cautious with their spending and Thailand has issued the lockdown measures for the group of foreign tourists. It

Business Vision Purpose Any Time & Any Where Attentive & Inclusive TrustworthyTotal Solution K-Culture A PIONEER FOR THE BETTER, A STEP AHEAD FOREVER Customer at Heart | Agility | Collaboration

or loss under the TFRS9. All in all, most commercial banks adopted a cautious stance in asset quality management as NPLs to total loans edged higher. As of the end of the first quarter of 2020, net