is to build a conducive environment to support listed companies in their ESG integration. The social aspect, in particular, includes human rights and gender equality. This is in line with the 20

play a crucial role in driving a nature-friendly economy.”  Prasert Sirinapaporn, ONEP Secretary-General, remarked: “National policy and legislation is a country instrument which focuses on

Allocation Fund (K-GREAT). Other notable funds included K Global High Impact Thematic Equity Fund (K-HIT) with a diversified portfolio that focuses on megatrends, namely eco-friendly industries, technologies

support environment-friendly businesses and projects via the integration of environmental and energy management practices into all our operations.  Society: KBank issued the Diversity Management statement

Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the First Quarter of 2018 1 1.2 Banking Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk

20 - Natural Resources Financial Position Statement of Cash Flows Statement Financial Ratios Environment Management Accounting Management Discussion and Analysis of Business Operation for Q2/2019

institution, enabling us to cope with possible economic fluctuations in a timely manner. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in 2017 and

Products 23 - Natural Resources Statement of Cash Flows Statement Financial Ratios Environment Management Accounting Statement of income 11 Financial Position 32 Management’s Perspective towards 2020

percent owing to seasonality. Given our funding cost management appropriate for the prevailing risk in a fragile business environment, KBank maintained key financial ratios at levels consistent with our

started offering hire purchase loans for environmentally friendly products, such as electric motorcycles and solar cells. However, in 3Q/2024, the title loans maintained its gradual growth. Others In 3Q