positively, private consumption remained robust through amid still- weak inflation. On 10th July, a new cabinet was formed that should largely see policy continuation; however, given the coalition’s slim

, total investment, and a robust export growth. As of May 31, 2018, the Company’s total cards reached 8.24 million cards (including 2.52 million credit cards and 5.72 million member cards), net increasing

2018 expanded continuously on the back of robust exports and tourism, which is supported by stronger global economic conditions. Exports and tourist arrivals rose by 9.9 percent and 15.4 percent, from

strong across-the-board growth. The business sector remained challenged by new modes of competition amid the advancing digital age and the rapid pace of technological advancement, together with the

circumstances. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK

resuming activities • Implement a ‘Work from Home’ policy and put in place IT infrastructure to support working from home where practicable • Ensure that a robust communication strategy is in place to

interest-bearing debt to equity is robust at 0.46 times. December 31, 2019 June 30, 2020 Change (THB million) (THB million) (THB million) % Cash and cash equivalents 3,591.6 2,779.1 (812.5) (22.6%) Total

taking steps towards resuming activities • Implement a ‘Work from Home’ policy and put in place IT infrastructure to support working from home where practicable • Ensure that a robust communication

categories especially in durable goods which showed significant contractions since the second quarter onwards from the contractions in vehicle sales. Key factors include the weakened household income and

especially in durable goods which showed significant contractions since the second quarter onwards from the contractions in vehicle sales. Key factors include the weakened household income and tightening of