startup firms for enhancement of our business capabilities to achieve sustainable growth while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

diverging monetary policies, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Given the changing customer behavior amid new technologies, regulatory changes and

Yai and Chachoengsao branch). The Company plans to open Rayong branch, the 11st branches in the last quarter of year 2018. Industry Overview Domestic purchasing power has been under pressure due to the

Mr. Jen Wei Fong Mr. Jen Wei Fong, a Chief Experience Officer of a digital asset broker called Bitazza Company Limited ("Bitazza"), was responsible for the operation of Know Your Customer

bank accounts used to deposit customer cash were under the company's name without the word “for customer”. Accordingly, it was not clearly indicated that the accounts are held by the company for the

leveraging of our strength as Thailand’s number-one digital banking provider, with the aim of becoming the Customers’ Life Platform of Choice under our core strategy of Customer Centricity for our business

concerning Investment of Funds; “business day” means a day on which management companies are open for normal business; “Stock Exchange” means the Stock Exchange of Thailand; “provident fund with multiple

business to alleviate the revenues loss such as open new business in F&B and the development a condominium for sale under brand “Newera” which yield a good margin. The detail of performance can be described

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