-oriented production were on the ebb. Furthermore, digital disruption continued to negatively impact certain business operators’ income and operating costs. Under these circumstances, KBank put in place more

2018. This was a result of a decline in merchandise exports owing to the economic slowdown of trading partners affected by trade protectionism and the impact of structural changes in the manufacturing

December 2018 Change (%) March 2019 December 2018 Manufacturing and commercial 780,297 801,647 819,481 (2.7)% (4.8)% Utilities and services 451,557 446,513 455,969 1.1% (1.0)% Housing 244,951 243,754 240,047

/61 14:31 น. 9 Portion of Loans by Business Type Manufacturing and commercial Utilities and services Housing Real estate and construction Agriculture and mining Others Million Baht Loans by Business

2018. This was a result of a decline in merchandise exports owing to the economic slowdown of trading partners affected by trade protectionism and the impact of structural changes in the manufacturing

and general investors under the duties and responsibilities assigned by the Board of Directors. - Performance of other activities as assigned by the Board of Directors with the consent of the Audit

and general investors under the duties and responsibilities assigned by the Board of Directors. - Performance of other activities as assigned by the Board of Directors with the consent of the Audit

and general investors under the duties and responsibilities assigned by the Board of Directors. - Performance of other activities as assigned by the Board of Directors with the consent of the Audit

(“developer”) from the personnel who operate in the system administration (“system administrator”) in the production environment. In the case that duties cannot be segregated due to the size of the business

(“developer”) from the personnel who operate in the system administration (“system administrator”) in the production environment. In the case that duties cannot be segregated due to the size of the business