, especially global economic fluctuations and unresolved political issues. Businesses have also had to contend with new regulations and government projects. All of these factors affected the performance of KBank

established market risk management processes for new financial products, and improved related processes for existing products. In 2019, global financial markets were quite volatile due mainly to the unresolved

improved related processes for existing products. In 2018, global financial markets were quite volatile due mainly to the unresolved US-China trade war. Emerging countries, including Thailand, felt the