AND ANALYSIS FOR PERIOD ENDED 31 DECEMBER 2019 3.1. Analysis of 2019FY in comparison with 2018FY results While there was a deterioration in Lost Time Injuries compared to 2018 a renewed focus on safety
(does not include other income) 3.1. Analysis of Q1 2019 in comparison with Q1 2018 results Although there was a deterioration in health and safety there has been an addition to the team in order to
concern on a deterioration in debt serviceability of household and SMEs. Although the deterioration in credit quality of commercial bank loans affected profitability, but Thai commercial banking system’s
falling interest expenses. Meanwhile, non-interest income decreased Baht 1,030 million or 1.62 percent, due mainly to a decline in net insurance premiums. At the same time, operating expenses rose Baht
. Thus, KBank shall be able to proactively prevent and solve any problems which may arise in a timely manner prior to deterioration of customers’ debt servicing capability and overall credit quality of
effective on 1 April 2019, as well as hire purchase growth remained high consistent with car sales. However, commercial banks remained tighten credit standards as their concern on a deterioration in debt
, commercial banks remained tighten credit standards as their concern on a deterioration in debt serviceability. Although the deterioration in credit quality affected profitability, but Thai commercial banking