, which helped support investors’ confidence. This is despite the fact that this factor, coupled with the stable policy rate, resulted in increased volatility in money and capital markets as well as foreign

percent, with a Tier 1 capital ratio of 15.57 percent. Being aligned with our business strategies, all of the above endeavors allowed KBank and K Companies to meet business targets and at the same time gain

capital position was robust. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.12 percent, with a Tier 1 capital

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

slower rate consistent with economic slowdown. Personal loans still expanded. Meanwhile, loans to business contracted. Commercial banks were tighter in extending loans in line with economic conditions as

implemented in some areas and business activities contributed to economic recovery. Private consumption contracted in consistent with low purchasing power and confidence. Meanwhile, the tourism sector

requirement and additional capital conservation buffer) of 11% for total capital ratio, 8.5% for Tier 1 capital and 7.0% for Common Equity Tier 1 capital. The Bank performs capital management planning to

consistent with the overall expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million

90 111 (21) (18.9) Others 5 1 4 351.6 Interest expenses totaled Baht 1,224 million, an increase of 18.9% yoy mainly from the growth in deposit and borrowings amount consistent with the overall

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