focus was on consolidation of branches with relatively low traffic to enhance service efficiency and maximize our sales and service quality in alignment with changing consumer behavior, as evidenced by

19.62 percent, with a Tier 1 capital ratio of 16.19 percent. The operating performance of the wholly-owned subsidiaries of KBank was also satisfactory in terms of quantity and quality due to the concerted

quality improvements in order to deliver an excellent customer experience. Being aligned with our business strategies, KBank and subsidiaries thus reported that net profit for the second quarter of 2019

capitalization and has the high and continuous yielding dividend 3 years ago. Results of the Quality Assessment of the 2017 Annual General Meeting of Shareholders Thai Investors Association had assessed the Annual

the high and continuous yielding dividend 3 years ago. Results of the Quality Assessment of the 2017 Annual General Meeting of Shareholders Thai Investors Association had assessed the Annual General

was 17.96 percent, with a Tier 1 capital ratio of 15.66 percent. The operating performance of the wholly-owned subsidiaries of KBank was also satisfactory in terms of quantity and quality due to the

. In addition, Gross Refinery Margin was still at the low level. This has affected the performance of the petroleum related business. However, demand for consumption of finished products see signs of

the low-income citizens to stimulate near-term consumption. Meanwhile, internal and external factors that affect the Thai economy are the slowing global economy growth, the inconclusive trade war

investment in infrastructure 3.) growth in private consumption continues despite a lower rate of growth however, government subsidy to the low-income citizens could help stimulate near-term consumption

by the palm oil price situation in the country which remains low. Moreover, the domestic production capacity increased by 1.20 million litres per day from the same period of the previous year, led to