liquidity ratio was 1.35 times. The Company maintained healthy financial position and sturdy debt service capacity with interest-bearing debt-to-equity ratio of 0.09 times. 2019 Outlook 2018 was the final

and small business loan. Although, the non-performing loans affected profitability, but the Thai commercial banking system still remained sturdy. Credit Rating Land and Houses Bank Public Company

loan. Although, the non-performing loans affected profitability, but the Thai commercial banking system still remained sturdy. Credit Rating Land and Houses Bank Public Company Limited is assigned the

management mandates at other companies, as well as significant roles on non-profit/ charitable organisations; d) factors affecting independence, including relationship/s with controlling shareholders; e

the charitable projects for schools located in the rural areas of Phetchaburi province. In addition, the SEC management and staff participated in the blood donation project for the Red Cross in

convenience to donors in donating money to charitable organizations linked to the Revenue Department’s e-Donation system.  Corporate Business KBank is determined to meet all of our corporate customers

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

orphanage for children with disabilities. Next year, the SEC expects to see more of such charitable activities particularly from listed companies as they are urged to devote more energy and resources to