as a decrease of mobile top-up value according to the customer’s behavior that prefer using data package top- up, the marketing campaigns to promote SIM card sales, and post-paid and e-Wallet usages

. Similarly, demand for housing loans and credit card loans is expected to decline further. In 2020, commercial banks should focus on assisting debtors, especially within the SMEs sector, in accordance with the

contributed 11.4% of total revenue or THB 97mn. Revenue increased by THB 16mn or 19.3% YoY. The sizeable growth was mainly due to an increase in the revenue generated from 1) project management fee, card

and adjustment of unsecured personal loan providers after measures for controlling credit card and personal loan under supervision of the Bank of Thailand came into force September 1, 2017. Focus should

fell in the tourism and agricultural sectors. Demand for credit card loans and other consumer loans also declined in line with lower consumer spending. Looking forward, financial institutions expect

Group has initially adopted TFRS 16 and recorded an increase in right-of-use assets and lease liabilities. 1Q2020 Operating Results In 1Q20, the Company has total revenue of Baht 1,262 million; decreased

law. 2. To enhance efficiency of official receivers in collecting a debtor’s assets in a bankruptcy case, a provision has been added to this law. The new provision allows (a) any person who owes a

percent at the end of 2018. This resulted in easing liquidity in the banking system. KBank ranked fourth in assets, deposits and net loans in the commercial banking system, with market shares of 13.56

a contraction in overall vehicle sales. Other personal loans and credit card loans decreased in tandem with a decline in private consumption growth. Looking forward, financial institutions expect

of assets, interest income and gain on exchange rate) less total expenses plus depreciation and amortization expenses, equaled to loss 431.0 million baht and loss 1,250.9 million baht respectively or