for renovations to effectively utilized their space for working, learning, and carrying out their daily routines at home. Also, many restaurants have closed due to the COVID-19 crisis, prompting more

allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this quarter. C

acceptance and recognition from various organizations both at home and abroad. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the First Quarter of

, and mobile phones to support remote working and learning during the pandemic. Without reasons to upgrades, consumers continue the usage of their existing devices which impact the overall IT market

gaining wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1

and satisfactory operating performance allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous

wide acceptance and recognition at home and abroad. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Second Quarter of 2018 1 1.2 Banking

decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

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