brighter investment outlook, and ongoing growth in tourism. At the same time, the real estate and construction sectors grew modestly, with expansion seen only in certain areas. Likewise, consumption fared

adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.96 percent, with a Tier 1 capital ratio of 16.50 percent. Being aligned with our

-Value (LTV) ratio for mortgage loans which led to a decline in bank lending to the real estate sector. The Bank of Thailand also implemented policies to encourage commercial banks to focus on sustainable

than that specified in accordance with the rules in the Notification of the Capital Market Supervisory Board concerning Issuance and Offer for Sale of Units of Real Estate Investment Trust or the

customer privacy. Being aligned with our business strategies, KBank and subsidiaries thus reported that net profit for the first quarter of 2019 totaled Baht 10,044 million, decreasing Baht 722 million or

expanded by 5.7 percent and 6.1 percent, respectively. Corporate lending was flat. SME loans grew due to increases in lending to a range of businesses in the commercial and real estate sectors, and from V3

at divesting non-core real estate assets which will positively impact cashflow. Net cash from financing activities increased due to the long-term borrowing for the Saraburi Quicklime acquisition. Short

to customers as targeted by transferring more than half of the total units in the project. With the success of the development of real estate for sale in the past year, the Company could make a net

of the economy and the real estate market in Thailand, our company may have difficulty in managing NPLs and selling NPAs. 2.2 The company may face competition in sourcing NPLs and NPAs from competitors

: M.K. REAL ESTATE DEVELOPMENT PUBLIC COMPANY LIMITED ML: MIDA LEASING PUBLIC CO., LTD. MODERN: MODERNFORM GROUP PUBLIC COMPANY LIMITED MONO: MONO NEXT PUBLIC COMPANY LIMITED MOONG: MOONG PATTANA