achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customers’ Life Platform of Choice” along with “Customer Centricity”, KBank has

in a decrease in the cost-to-income ratio, which stood at 42.52 percent. KBank has set aside higher allowance for impairment loss on loans, in line with uncertainties from the ongoing economic slowdown

last year and profit of THB 290 million for the year 2018, an increase of 8.6% yoy. Excluding extraordinary items, the Company reported the core net profit of THB 153 million in 4Q18 (an increase of 76.3

mainly to employee expenses and repair and maintenance of premises and equipment expenses, whereas marketing expenses fell. As a result, our cost- to-income ratio stood at 42.70 percent, which was still

the full effect of Saraburi Quicklime addedon March 19th. Similar to Q1 2018, the revenue was from core business, that is a major shift compared with H1 2017 when the contribution of Engineering was a

year. However, revenue from burnt lime core business has increased even there was a weaker than expected sugar season, but this was mitigated by stronger sales of new higher value-added product also

especially for domestic consumptions 3) Inflation continuing to decelerate with core inflation at an 87 months low, implying a still weak domestic demand. For the second half of 2017, although the economy is

especially for domestic consumptions 3) Inflation continuing to decelerate with core inflation at 7-year low, implying a still weak domestic demand. For the second half of 2017, although the economy is

transaction, NU will ceases to be a subsidiary of the Company. Shareholding Ratio in NU before and after the transaction Name of Shareholders Before transaction After Transaction Amount of Shares Percentage

มีความรุนแรง (Liquidity Coverage Ratio: LCR) (ร้อยละ) 164 แหล่งเงินท่ีมีความมัน่คงต่อความตอ้งการแหล่งเงินท่ีมีความมัน่คง (Net Stable Funding Ratio: NSFR) (ร้อยละ) 136 เงินกองทุนชั้นท่ี 1 (Tier 1 ratio