in the commercial banking system, with a high level of liquidity than required by the Bank of Thailand. Infrastructure investment progress needs to be closely monitored as more bidding processes will

expected to focus on readjusting deposit structures and managing costs in an appropriate manner. Banks also need to maintain a sufficient level of liquid assets (as measured by the Liquidity Coverage Ratio

was robust. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.55 percent, with a Tier 1 capital ratio of 16.19

a strong capital base and ample liquidity position. At the end of March 2020, the loan to deposit ratio was 84.2 percent. The total capital adequacy ratio, Common Equity Tier 1 capital adequacy ratio

) to total loans at the end of 2018 remained unchanged at 2.9 percent. However, the level of capital reserves and loan loss reserves remained high and adequate to absorb future loan losses in the banking

Thailand remained stable. Capital funds and reserves were at a high level and were able to support the challenges of uncertain economic conditions. The performance of the Thai banking system improved, mainly

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

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

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

continued to see limited support, after growing by 2.30 percent in the second quarter. The Thai economy did show some signs of strength in the third quarter, due mostly to the low base effect of the same