in this quarter and focus on specific customer groups to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht

third quarter in 2023. In additions, the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and focus on specific customer groups

income surged significantly, especially the 19% increase in bad debt recovery. However, this year the Company will focus on fee-based income expansion. Revenues Structure Profit and Loss Statement Unit

rate translation, revenue from sales grew by 6.7% YoY at constant FX. The growth drivers lie in our core businesses, both domestic beverages and personal care with the growth of 6.6% and 10.7

%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017. Hire purchase

expanded at 83.9%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017

beginning of the second quarter of 2019. Moreover, commercial banks will have to focus on cost and asset quality management for enhanced efficiency while also bracing for heightened competition, especially

million cards, has grown by 1% more than last year. Credit Card receivable was 394,123 million baht, with the growth of 9% from the same period last year. For personal loan industry, the numbers of account

customer expectations, consumer protection and customer privacy. Beyond these strategies, we focus on predictive risk management with the aim of maintaining KBank’s stability as a leading financial

358,413 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under supervision amounted to 13.7 million accounts, 6% more