. Most of provincial branches have been opened in HomePro. The bank allied with Home Product Center Public Company Limited to expand branches in all provinces where HomePro located. The bank’s branch

have been opened in HomePro. The bank allied with Home Product Center Public Company Limited to expand branches in all provinces where HomePro located. The bank’s branch expansion strategy is to have

need for working capital has slowed down, while demand for household credit increased in almost all categories except home loans. Looking ahead, financial institutions predict that demand for business

governance, allowed KBank and K Companies to meet business targets, gaining wide acceptance and marks of recognition at home and abroad, as reflected in the numerous awards we received in this quarter. B

V3 22/02/61 10:09 น. 0 V3 22/02/61 10:09 น. 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in 2017 In 2017, Thailand’s real GDP grew by 3.9 percent, up

: ESSO (THAILAND) PUBLIC COMPANY LIMITED ESTAR: EASTERN STAR REAL ESTATE PUBLIC COMPANY LIMITED ETC: EARTH TECH ENVIRONMENT PUBLIC COMPANY LIMITED ETE: EASTERN TECHNICAL ENGINEERING PUBLIC COMPANY LIMITED

provincial branches have been opened in HomePro. The bank allied with Home Product Center Public Company Limited to expand branches in all provinces where HomePro located. The bank’s branch expansion strategy

been opened in HomePro. The bank allied with Home Product Center Public Company Limited to expand branches in all provinces where HomePro located. The bank’s branch expansion strategy is to have the

hotels and the commercial and real estate sectors. Consumer loans expanded from home loans, auto-hire purchases and personal loans. Deposits grew by 3.9 percent from the end of 2017. The ratio of loans to

targets, while we also gained wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in 2019. C Contents Page Executive Summary A 1. Overview of Operating