exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

Osotspa Public Company Limited Q1’19 Management Discussion & Analysis 14 May 2019 Q1’19 Management Discussion & Analysis Page 1/6 Financial Highlights - Q1’19 Net profit* was at THB 888 million

advertising. In addition, the cost of new marketing strategies implemented for the fast growing Chinese market. The company has maintained the cost of sales and marketing costs at the set budget. In the first 6

activity, thus dampening Thai economic growth during the second half of the year. Other challenges included volatile foreign exchange movement and international capital flows as well as the rapid evolution

management processes at KBank and K Companies, these actions are consistent with economic circumstances and rapid changes in the prices of financial assets. We continue to emphasize proactive risk controls via

SEC Deputy Secretary-General Tipsuda Thavaramara said: "Capital market and financial technology are advancing fast, pushing securities businesses to increasingly diversify their operation and

, and legal enforcement function. In addition, more efforts will be made to ensure that the Thai capital market standards are at international level, enhance product attractiveness, and eliminate

amendments are expected to enhance flexibility and industry adjustment to the fast changing market environment;3. Supervision of Mutual Fund Management: The mutual fund governance structure would be revised to

percent owing to seasonality. Given our funding cost management appropriate for the prevailing risk in a fragile business environment, KBank maintained key financial ratios at levels consistent with our

term of the quality of the audit oversight system ? Yes No Is the audit oversight authority you registered with in the country that was assessed under the FSAP and received at least “Broadly Implemented