Capital Adequacy Ratio (CAR) and Common Equity Tier 1 ratio (CET1) stood at 19.6 percent and 16.0 percent, respectively. The evolving business environment in 2019 required commercial banks in Thailand to

Office business continues its consistent performance. The revenue is contributed mainly by TST Tower (Bangkok) and 33 Gracechurch, (London). Office business in Thailand remains a landlord friendly market

system. Focusing on maximizing the utilization of production waste and utilizing waste disposal services that employ environmentally friendly disposal methods. Planning efficient operations to reduce

/2024 7. Sustainability Development 7.1 Completed projects in Q3/2024 No. Project Type Project Name Key purpose 1 Environment Installation of 350 kW Solar Panels at the Headquarters 1. To reduce the

stimulus measures. Against this backdrop, KBank has established its business direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate

support environment-friendly businesses and projects via the integration of environmental and energy management practices into all our operations.  Society: KBank issued the Diversity Management statement

Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the First Quarter of 2018 1 1.2 Banking Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk

Cash Flows Statement Accounting Business Performance Executive Summary Statement of Income 23 of Financial Position Environment Management 3 Financial Ratios 28 Executive management’s prospects to

20 - Natural Resources Financial Position Statement of Cash Flows Statement Financial Ratios Environment Management Accounting Management Discussion and Analysis of Business Operation for Q2/2019

institution, enabling us to cope with possible economic fluctuations in a timely manner. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in 2017 and