with ongoing data consumption demand, supported by rising tourist arrivals, benefiting the prepaid segment. Competition continued shifting towards value- based offerings with more benefits and

innovations, as Thailand shifts towards becoming a cashless society. 12 In addition, we held numerous events to equip our customers with relevant knowledge as part of our CRM efforts. Through value chain

towards the trade war between the US and China that has caused market demand to contract. Marketing Business recorded an increase in total marketing sales volume, especially through retail sales which is

transparency. The new lending policy will be put in place within the end of next year. Furthermore, we communicated to stakeholders our experiences in the drive towards a Bank of Sustainability through the

(ACPM) and stress testing, KBank ensured timely portfolio management towards any deviation against our planned targets. Meanwhile, KBank has also focused on portfolio management so as to control credit

, though actual implementation will likely be started from 2019 onwards. Nevertheless, there remain downside risks from an inclination towards protectionism, as exemplified by the US-China situation, and

many areas that resulted in the destruction of crops and household assets. Towards the end of this year, domestic political situation will also warrant monitoring as the National Council for Peace and

last year ending 31 December 2016 We have committed ourselves to strategies that emphasized on building up strong fundamentals in order to drive our businesses towards a sustainable growth organization

, the Company further proceeded legal execution towards the debtor. Nevertheless, the debtor has insufficient asset to repay the debt. Subsequently, the Company filed a bankruptcy lawsuit against the

Company further proceeded legal execution towards the debtor. Nevertheless, the debtor has insufficient asset to repay the debt. Subsequently, the Company filed a bankruptcy lawsuit against the debtor at