people?s understanding and skills on investment without spending too much time. To this end, financial literacy among Thais will be elevated and their financial status would eventually become more

to remain fragile as overall purchasing power has not yet recovered, and household debt remains at a high level. The operating result of the Company in this quarter is still in line with the plan

economic slowdown resulting in declining export and plunging tourists’ spending especially Chinese tourists. The instability in Thailand politic and election in March 2019 slowed public investment. High

of the year, company's COGs/revenue ratio of Q2/2018 are at high level of 87%, comparing to 82% of same quarter of last year. • Moreover, the company decided to set up investment provision of 19.4

, however, it is not yet affected the Company's financial status because the current ratio of current assets to current liabilities is at a high level. The financial position of the company is sufficient for

for any potential impacts on our loan level, deposits and liquidity, both short- and long-term, to ensure that we adopt appropriate fund-raising strategies. 2.4 Operational Risk KBank has conducted

of fast-changing cyber threats that are always becoming more diverse and more complicated.  Reinforcing a cyber risk-aware culture that involves the Board of Directors and high-level management

supervision of personal loan business to include car title loan, to allow grassroots-level consumers improved access to loan at a reasonable cost and ensure fair conditions for them.  Revise criteria to allow

actions that maybe detrimental to the general public, or capital level lower than regulatory minimum requirement. These also include cases where financial institutions are placed in the control of the

increased by Baht 2,139 million or 15.68 percent due largely to rising revenue from the sale of securities. Moreover, other operating expenses were close to the level seen in the previous quarter, resulting