system 6 remained adequate, thus there were no signs of intense competition in the deposit market, especially amid continuous fund inflows. These factors affected KBank liquidity in various dimensions. We

has caused retail market sales volume to increase, whereas the industrial market volume remains similar to the level of Q2/2018 from an intense industrial market competition. 2. Net marketing margin

market recorded marginally lower oil sales compared to the previous year due to the intense competition brewing within the industrial market, and stock management within the refinery during the

-Diesel B20S, which surpasses in quality from the normal B20 in the market. Whereas industrial market sales volume lowered slightly from the intense market competition. 2. Net marketing margin declined

. Harsh weather also deals a serious blow to households’ properties and quality of life. These extreme events – exacerbated by man-made pollution – 5 have lately triggered the PM 2.5 fine dust particle

and better respond to customer needs. However, there is also more intense competition after fees were waived for transactions via banks’ digital banking channels. Banks therefore need to acquire more

flooding in various areas. Also, there was an intense competition in the industrial market. While sales volume of the retail market was slightly lower, consequently due to the seasonal factor which had lower

, due to the intense competition and the higher lubricant raw material costs. This led to the company’s net marketing margin to soften marginally. 3. As of Q1/2018, the total number of service stations

, competition in the home loan market became more intense, which could potentially jeopardize the economic and financial system as a whole. Under these circumstances, KBank has closely monitored trade