comprehensive risk management principles and policies, a risk-aware culture Bank-wide, as well as good corporate governance. All of the above endeavors and satisfactory operating performance, together with sound

business targets as we gained wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in 2017. Under our redefined strategies for the next three years, KBank

- wide, as well as good corporate governance. All of the above endeavors and satisfactory operating performance, together with sound corporate governance, allowed KBank and K Companies to meet business

third quarter of 2017, buoyed largely by tourism and exports. Nonetheless, the economic recovery was not broad-based, as evidenced by sluggish private consumption. While certain businesses were still

through effective capital management and creation of a culture of risk awareness organization-wide, to enable us to cope with possible economic fluctuations in a timely manner. B Being aligned with our

March 31, 2018 and March 31, 2017, the Company and its subsidiaries had a net profit of Baht 56.52 million or 17.17%. Universal Worldwide Transportation Limited holds 80% of the total number of ordinary

company. Purchase of 80% of Universal Common Shares of Universal Worldwide Transportation Limited. Page 2 of 5 The Company must recognize revenue. Entering into the financial statements. As a result

business strategies, the aforementioned endeavors allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad. B Contents Page

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

capitalization. This collaboration will enhance confidence in the quality of financial statements of listed firms in the Thai capital market, hence, boost market competitiveness and attract worldwide investors