market items 310 307 235 1.0% 31.9% 1,115 1,104 1.0% Contributions to the Deposit Protection Agency and Financial Institutions Development Fund 2,429 2,442 2,277 (0.5)% 6.7% 9,617 9,127 5.4% Debt issued

objectives that CRAs, regulators, rated entities, obligors, underwriters, arrangers, and other market participants should strive toward in order to improve investor protection and the fairness, efficiency and

184 Million or 11.6%. The amount included the export sales of energy drinks to CLMV market of THB 1,473 million, China of THB 170 million, sales in the UK under the operation of Intercarabao Limited

5,326 5,102 5,650 4.4% (5.7)% 10,428 11,193 (6.8)% Interbank and money market items 242 257 324 (5.8)% (25.3)% 499 602 (17.1)% Contributions to the Deposit Protection Agency and Financial Institutions

income was caused by lower fees from securities business in line with the capital market situation, while fees from bancassurance and mutual funds increased. Consequently, the ratios of net interest income

achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customers’ Life Platform of Choice” along with “Customer Centricity”, KBank has

กับการลงทุนในผลิตภัณฑ์ดังกล่าวอย่างถูกต้องจากผู้ที่มีความรู้ความเข้าใจเกี่ยวกับผลิตภัณฑ์ดังกล่าว เป็นอย่างดี โดยได้รับความคุ้มครอง (investor protection) อย่างเหมาะสม ส านักงานจึงเห็นควรแก้ไข หลักเกณฑ์

growth and returns while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity” and making KBank the Customers’ Main Bank for all eight customer

was thus reduced to 29% in 2019 as compared to 37% in 2018. To regain the market share and reduce imports, the Company had to resort to very competitive pricing which impacted the EBITDA adversely

additional provision of THB 20 Million due to increase in the benefit of employees who have past service of 20 years or more from 300 days to 400 days according to the announcement of Labour Protection Act