demand faced contraction in the same direction as private consumption on durable goods and services significantly contracted because people avoided going outside. Other fators include the suspension of a

obtained from several sources, and Bangkok Commercial Asset Management Public Company Limited (“BAM”) cannot confirm, in all cases, the accuracy and completeness of such data, particularly those from outside

which is located outside Bangkok or its vicinity, the company shall be responsible for accommodation and travelling expenses incurred from such visit in accordance with rules prescribed by the Office. 4

financial statements of foreign operations rose by Baht 3,180 million due to the Baht’s appreciation. Contingent Liabilities Million Baht Item December 2018 September 2018 December 2017 Change (%) September

encourage domestic capital outflows. At the end of 2019, the Thai baht was 30.15 to the US dollar, an appreciation of 7.1 percent from the end of 2018. Global financial markets experienced volatility amid the

to remain at the same rate if there is no significant change in natural gas price and the appreciation in Thai Baht. However, during September and December of 2018, Ft rate is expected to be adjusted

and according to target. In 2019, Thai economy has decelerated with GDP reported at 2.4% decreased from 4.1% in 2018 as a result of declining in export growth and Baht appreciation. The world-trade

records of equipment assets being removed off-site and procedures to ensure security of equipment assets off-premises, by taking into account the different risks of working outside the organization’s areas

within and outside of KBank. Another notable promotion was a K-Express Cash campaign offering zero-percent interest to new customers using KBank Payroll service, and regular-income employees.  Mass We

to focus on digital lending to both existing and potential new customers based on efficient risk management through the use of alternative data obtained from within and outside of KBank. Given this