decreased 1.3% YoY, thanks to CPN’s continuous effort to conserve energy usage. Hence, the cost-to-revenue ratio is expected to be similar to the magnitude of last year amidst the increasing trend of

utility cost decreased 1.7% YoY, thanks to CPN’s continuous effort to conserve energy and utilities in operations. • Higher maintenance, repair and personnel expenses to support the expansion of new

sector on export competitiveness. However, the tourism sector continued to expand mainly thanks to an increase in the number of tourists of most nationalities; especially tourists from China, India, and

, the bank reserves was likely to increase, affecting the commercial banks’ performance. However, the overall Thai commercial bank system remains sound, thanks to close monitoring of credit quality

to the first quarter of 2019 due to the contraction of corporate loans. However, thanks to the increase in realized interest income according to TFRS9, the impact on interest income is minimal

thanks are given to Ché Wall of Flux Consultants the lead specialist co-ordinating the development of the Criteria through the Technical Working Group. 4 1. Introduction 1.1. Overview This Criteria

E_1 Legal_FA_2015_12_29-c A CCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2017 The global economy in the second quarter of 2017 maintained its growth momentum. Similarly, Thailand’s major economic indicators continued to exhibit growth, as evidenced by brighter exports, government spending and private spending on certain items of durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the...

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2019 In the first quarter of 2019, the Thai economy continued to sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has e...

reporting to the SEC Board. The Audit Committee has the committed to adhering to environmental and social responsibility. And thanks to such continued efforts, the SEC has won the White Organization Award

increase in the unappropriated retained earnings for Baht 922 million and the increase in the non-controlling interests for Baht 131 million, thanks to the better financial performance of the company and the