of utility services in Q1/2018 compared with those in the same period of 2017, (while utility service income is stable), are attributable to the road and water system repairing cost. ▪ An increasing

2019, net loans at 14 domestically-registered commercial banks grew 0.37 percent over-quarter and 3.92 percent over-year, figures that were stable compared to the growth of 3.88 percent at the end of the

. The Ministry of Energy defined a decline in all fuel prices by 1 Baht/litre from December 26, 2019 to January 10, 2020 as a New Year gift to the public, in addition to continuously subsidizing B10 and

1.50 percent for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and Competition In the second quarter of 2018

our no-gift policy to executives and employees of KBank, other companies under KASIKORNBANK FINANCIAL CONGLOMERATE, as well as our counterparties and customers • Reviewing knowledge and understanding on

from interest rate reduction and a slowdown in loan in the banking system. Meanwhile, net fees and service income was stable, whereas fees from insurance, mutual fund and investment banking services

the new products. Therefore, the overall sales figure of the quarter remains stable. 2. The consolidated gross profit margin was 13.14%, increased from the same period of last year at 8.12%. The company

of March 2019, deposits continued to expand while loans dropped slightly. Consequently, the ratio of loans to deposits declined from the end of 2018. However, loan quality was relatively stable as the

digit driven by all business segments. EBITDA margin is expected to be stable while budgeted for CAPEX of Bt20-25bn (see guidance on page 6). Significant Event for FY19 Since 1 January 2019, AIS has

having a tendency to decline as the GDP is expanding. Moreover, the number of unemployed in the 4Q/2022 amounted 4.62 hundred thousand people, or an unemployment rate of 1.2%, remained stable from the