addition, the significant improvement of return on equity was from the decrease of shareholders’ equity as mentioned above. For the financial risk perspective, despite the higher debt ratio comparing to

strengthen customer perception towards KBank as an “Embedded Trust” agent, offer products and services “Beyond Banking” and stay relevant to “Everyone, Every Day, Every Way and Everywhere” in order to deliver

for Alternative Investment disclosed to the public and able to be accessed by a general public investor. The result, therefore, is from the perspective of a third party. It is not an evaluation of

. Given the intensified global trade tension, the October 2018 World Economic Outlook of the International Monetary Fund cut its global economic projection for 2018 and 2019 to 3.7 percent, compared to the

of 2018, close attention was paid to uncertainty surrounding US trade policy with its major trade partners, especially China. Most recently, the World Economic Outlook of the International Monetary

preceding year, industrial and competition outlook with regard to, for example, an approximate number of competitors, the Company's size compared with that of the competitors, competitiveness and potential

outlook with regard to, for example, an approximate number of competitors, the Company's size compared with that of the competitors, competitiveness and potential, and the names of competitors (only in the

มอง (Perspectives) 4 ดา้น ประกอบดว้ย มมุมองดา้นการเงนิ (Financial Perspective), มุมมองด้านลูกคา้ (Customer Perspective), มุมมองดา้นกระบวนการจดัการภายใน (Internal Business Process Perspective) และมุมมอง

perspective to substantiate a solid platform instrumental in driving business expansions outside Thailand in the long run. Due to our equity investments in ICUK, its financial performance and position have been

-up phase. However, we believe that our feat of endeavors as mentioned shall be considered an investment from strategic perspective to substantiate a solid platform instrumental in driving business