a strong capital base and ample liquidity position. At the end of March 2020, the loan to deposit ratio was 84.2 percent. The total capital adequacy ratio, Common Equity Tier 1 capital adequacy ratio

durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our

is expected to remain ample throughout the first half of 2019 due to tepid loan demand amid heightened risks at home and abroad. We are therefore closely monitoring and analyzing related developments

better in some products, especially durable goods, but overall purchasing power remained fragile overall. Both household and industry sentiment remained somber, indicating that the Thai economic recovery

consumption, albeit expanding, began to exhibit decelerating growth following a recent ramp-up in spending on durable goods. Likewise, private investment remained weak pending more apparent signs of economic

tourist arrivals and tourism receipts, as well as manufacturing production. Meanwhile, private consumption continued to expand, which was derived mainly from increased expenditures on durable goods

plastic packaging customers that want to change the packaging to be modern, more durable and beautiful. (3) New customers that factory is located in Navanakorn Industrial Promotion Zone, Nakhon Ratchasima

come due, and/or an inability to convert assets into cash. Liquidity in the banking system during 2019 was ample due to slower growth of net loan; in fact, deposits saw stronger growth than loans

the banking system during 2018 was ample due to continual growth of both loans and deposits. However, liquidity management at given periods may vary from bank to bank, depending on its liquidity