V3 27/02/63 0 V3 27/02/63 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in 2019 In 2019, the Thai economy grew by 2.4 percent year-on-year, down from
reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2017 1 1.2 Banking
wrongdoing against a client’s assets by (1) using the client’s credit card to withdraw cash and spending the money for her own personal use, (2) replacing the client’s banking account contact information
2020 1 1.2 Banking Industry and Competition 2 1.3 Significant Regulations and Rules related to Business Operations 3 2. Risk Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk
business restructuring decreased of Baht 204.45 million due to in 2016 the Group has restructured of the publishing and distribution of publications due to the shift of consumer trends. The Group has set up
quarter of 2016, the Group has restructured of the publishing and distribution of publications due to the shift of consumer behaviors. The Group has set up a provision for inventory obsolescence and written
points at the end of 2018. Overall Business Operations The Bank’s loan portfolio during 1Q19 grew 1.9% with growth driven by corporate banking loans, real estate development loans and housing loans while
Banking; the Federation of Thai SME; the Thai Venture Capital Association; the Investment Banking Club; the Federation of Accounting Professions under the Royal Patronage of His Majesty the King; and the
banking business and capital market business. Commercial banking business operated by Kiatnakin Bank Public Company Limited and the capital market business operated by Phatra Capital Public Company Limited