subsequent growth in the retail market sales volume. On the other hand, the industrial market experience sales volume decline of 12% YoY from intense market competition. As well as in 2018 the Bangchak
system 6 remained adequate, thus there were no signs of intense competition in the deposit market, especially amid continuous fund inflows. These factors affected KBank liquidity in various dimensions. We
has caused retail market sales volume to increase, whereas the industrial market volume remains similar to the level of Q2/2018 from an intense industrial market competition. 2. Net marketing margin
market recorded marginally lower oil sales compared to the previous year due to the intense competition brewing within the industrial market, and stock management within the refinery during the
-Diesel B20S, which surpasses in quality from the normal B20 in the market. Whereas industrial market sales volume lowered slightly from the intense market competition. 2. Net marketing margin declined
cycle (1 January 2013 - 31 December 2015), the SEC has implemented a more intense inspection program and has given greater weight to the engagement performance element from 15% during the first cycle to
equivalent to the cash or other returns exchanged plus interest and other similar returns. 14. Payable to clearing house means net balance account of creditor of the Thailand Securities Depository Company
obligation to repurchase such financial assets in the future at the amount equivalent to the cash or other returns exchanged plus interest and other similar returns. 14. Payable to clearing house means net
and better respond to customer needs. However, there is also more intense competition after fees were waived for transactions via banks’ digital banking channels. Banks therefore need to acquire more