year ended of 2018, company and subsidiaries had less total assets than last year 2017 at Baht 38.45 million or 3.17 %, which consisting of Costs of real estate development projects for sale, deposit for

that are combined as part of the cost of sales in 2Q19. Consisting of the impact of the legal adjustment of compensation for employee retirement 400 days of THB 15 mil (TKS 2 mil, TBSP 13 mil) and the

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

should be prepared for other regulatory changes including the Basel III capital requirements and the International Financial Reporting Standards (IFRS9), which will come into effect in 2020. 1.3

-term, to ensure that we adopt proper fund-raising strategies. 2.4 Other Risks Management KBank gives highest priority to IT security in all our operations, including all our IT data, systems and other

Monetary Fund projected that the global economy may grow 3.9 percent in 2018, and the US would see brighter growth of 2.9 percent compared to 2.3 percent in 2017, due to additional positive factors including

support, we launched several projects including (1) Portfolio Guarantee Scheme Phase 8 (PGS8) which features loans guaranteed by the Thai Credit Guarantee Corporation (TCG); (2) Assistance measures for

enhanced efficiency in personal financial planning services and advice for other financial products such as business loans, home loans for large clients, electronic data capture (EDC) service including its

. Moreover, loan saw brighter growth at the end of this quarter. This was particularly true for business loans, which were buoyed by reviving exports, as well as certain types of retail loans including hire

cap on private spending, which may lead to rising risk in the future. Moreover, heightened risk from the global economy, including Thailand – coupled with digital disruption – negatively impacted