and strict compliance with the respective principles and guidelines has brought about recognition of corporate governance standard in the Thai capital market. I trust that continual cooperation from all

. In 2017, KBank concentrated on balancing between services and credit risk management within each customer segment. As the Thai economic recovery was not yet broad-based, we put in place more stringent

international protectionism, limited purchasing power at home, and a changing business landscape due to digital disruption. KBank thus put in place more stringent customer screening criteria, particularly for

for new stores in hardline and food segment, 2 Thai Watsadu, 1 GO! Mall and 1 BigC stores. The Company has strict measure to maximize cost saving. 6. Finance costs was THB 615 million, increased by

the previous year. Nonetheless, the administrative expenses of a period of nine months were 22.77 Million Baht, decreased by 1.52 Million Baht or down by 6.26 % due to Company had a stringent cost

customer of insurance since the market trend of Insurance Outbound Telesales services was slowdown which because of the highly strict of relevant laws and also the various ways of approach the customer. 2.3

oil and gas productions, utilizing strict quality and safety standards of the offshore industry. The Company has been provided skilled technical personnel to work on both onshore and offshore facilities

were the first-time home buyers who had no housing loan obligations and were impacted less by the BoT measure, the strict measure caused a significant negative effect toward real estate industry. In

announcement of permanent shutdown of a synthetic fatty alcohols plant in Europe and temporary shutdown in some Chinese fatty alcohols plants due to more strictly safety control and more stringent environmental

which because of the highly strict of relevant laws and also the various ways of approach the customer. 2.3 Revenue from Customer Service Representative Outsourced for the three-month period was THB 35.0