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

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

below the target mainly due to on-going cautious household spending due to high household debts and slow economic recovery. Furthermore, the number of restaurants continued to increase from both existing

inflation. As a result, users were more cautious in their spending. The gross profit from digital content via telecommunication channels was THB 18.58 million, decreased by THB 10.99 million or -37.17% YoY

, causing the consumer purchasing power to decrease, together with the concerns of users about future inflation. As a result, users were more cautious in their spending. The gross profit from digital content

because the second quarter is low seasonal quarter of the advertising business. The economy began to recover, many companies are cautious to spend on advertising. However, customers who focus on content

3) Advertising income was Bt1mn, decreased 1232.0% YoY because the second quarter is low seasonal quarter of the advertising business. The economy began to recover. Many companies are cautious to

) Advertising income was Bt1mn, increased 1232.0% YoY because the advertising business was slowdown in the last period. Many companies are cautious to spend on advertising. In this year, customers who focus on

year 2019. The loan receivables outstanding balance stood at 3,678 million Baht or a decline by 8.8% from the ending of 2018. The Company is very cautious to lending consumers. Moreover, the Company

-19 pandemic, the Company has been more cautious in managing the investment portfolio to mitigate risk exposures, which may result in lower-than-expected investment return. Our subsidiaries have