commercial 801,647 819,481 813,319 (2.2)% (1.4)% Utilities and services 446,513 455,969 404,036 (2.1)% 10.5% Housing 243,754 240,047 229,441 1.5% 6.2% Real estate and construction 199,224 202,600 203,566 (1.7

) (1.6) Real estate and construction 21,057.0 21,590.0 (533.0) (2.5) Public utilities and services 39,820.8 40,245.3 (424.5) (1.1) Housing loans 26,215.5 27,342.4 (1,126.9) (4.1) Financial intermediation

6.70 percent from the same period of last year. The decrease came from non-interest income which fell Baht 2,871 million, or 19.00 percent, due to cancellation of funds transfer fees via digital channels

by 9.4, 4.5 and 4.1 percent, respectively. SME loans grew due to increases in lending to energy, real estate and construction sectors, while corporate loans grew due mainly to increases in lending to

30,889.5 27,844.6 3,044.9 10.9 Real estate and construction 22,884.5 20,789.9 2,094.6 10.1 Public utilities and services 38,426.4 38,074.2 352.2 0.9 Housing loans 28,746.0 29,134.9 (388.9) (1.3) Financial

have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most

era to aid our customers in their business operations. In the third quarter of 2019, KBank granted support to customers in food and beverages, real estate and leasing businesses through their issuance

of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the

expanded by 5.7 percent and 6.1 percent, respectively. Corporate lending was flat. SME loans grew due to increases in lending to a range of businesses in the commercial and real estate sectors, and from V3

brighter investment outlook, and ongoing growth in tourism. At the same time, the real estate and construction sectors grew modestly, with expansion seen only in certain areas. Likewise, consumption fared