lending policies to match each industry to be better suited to the prevailing circumstances. At the same time, KBank has remained cautious in credit underwriting of retail customers’ loans, and focused

mall management and effective operating costs control The Thai economy in 2Q17 continued to expand and recovered at a modest pace, driven by export of goods which showed a high expansion, and the tourism

sectors, which some part mainly comes from export and tourism sectors and internal expenditure rate has gradually expanded as well. These economic situations leaded to quarter 3/201 the Company gained

direction from investment motivation of both governmental and private sectors, which some part mainly comes from export and tourism sectors and internal expenditure rate has gradually expanded as well. These

change, and demand and supply. In the past 2 years, CPO’s world and Thai’s market had been highly volatilized. The Company is aware of such risks and determined the policy that focused on the procurement

supply. In the past 2 years, CPO’s world and Thai’s market had been highly volatilized. The Company is aware of such risks and determined the policy that focused on the procurement and management of raw

global economy due to financial market tightening and macroeconomic headwinds which created contraction risks, especially for Thai export sectors. Nonetheless, private consumption showed a sign of

impacts that may have on other funding costs. For Thailand, most economic indicators in the third quarter of 2018 grew at a decelerating rate, as evidenced by slowdowns in export value, international

sustainable growth and reasonable returns to stakeholders. In 2018, KBank focused on customer service and credit risk management for every customer segment. Customers’ businesses were challenged by

shopping, while also slashing cash management costs, in order to strengthen their businesses. KBank also focused on the offering of products to our customers engaged in import-export business, in order to