assets were at Bt307,485mn, decreased -4.1% due to the amortization of spectrum licenses, Network and PPE, and lower right-of-use assets. Total liabilities closed at Bt267,156mn, declined -4.6% from the

assets were at Bt307,485mn, decreased -4.1% due to the amortization of spectrum licenses, Network and PPE, and lower right-of-use assets. Total liabilities closed at Bt267,156mn, declined -4.6% from the

assets were at Bt307,485mn, decreased -4.1% due to the amortization of spectrum licenses, Network and PPE, and lower right-of-use assets. Total liabilities closed at Bt267,156mn, declined -4.6% from the

providing seamless financial services whether in commercial banking or capital market business. All companies will use a new logo designed based on a combination of the existing logos of Kiatnakin Bank and

% yoy with interest income from hire purchase and financial lease also increasing by 3.1% yoy. Interest on investment in loans declined 39.1%. For the year ended Consolidated Change Dec 31, 2018 Dec 31

% from the end of 2018 with growth in the Real estate development segment, SME segment and across Retail loan segment except in the hire purchase segment which contracted during 2019. For asset quality

capital market volatility. Interest income was Baht 4,201 million, increased 10.0% yoy from loan expansions. Interest income on loans increased by 19.7% yoy with interest income from hire purchase and

capital market volatility. Interest income was Baht 4,201 million, increased 10.0% yoy from loan expansions. Interest income on loans increased by 19.7% yoy with interest income from hire purchase and

16,294 million, increased 9.8% from 2017 from loan expansions. Interest income on loans increased by 23.5% yoy with interest income from hire purchase and financial lease also increasing by 3.1% yoy

of 2Q19. 3 Overall Business Operations During 3Q19, the overall Bank’s loan portfolio grew by 4.2% from the end of 2018 with growth continue to be driven across almost all segments except in the hire