only gradually picked up. Even then, such growth remained uneven; improvement was seen only in certain businesses and in some areas. On the downside, however, trade policy uncertainty, in particular

and business opportunities in each individual sector and area across all industries. In parallel, we focused on the development of technological solutions with the aim of becoming “Customers’ Life

-oriented production were on the ebb. Furthermore, digital disruption continued to negatively impact certain business operators’ income and operating costs. Under these circumstances, KBank put in place more

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

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

cover certain transactions that must be undertaken in accordance with the Bank of Thailand’s additional guidelines, including assistance measures for borrowers affected by the COVID-19 pandemic.  Work

” concept. Moreover, under the “Segment of One” concept, we focus on strengthening our capabilities by using data and advanced technology to understand and anticipate each individual customer’s need and

decrease in income from insurance business. Our coverage ratio rose over-year, while gross NPL ratio decreased slightly from the end of 2017, despite the deteriorating quality of loans granted to certain

Actions wide-ranging potential impact, in particular, security and system stability risks. Moreover, KBank can, if necessary, terminate services provided by certain partners to our customers. 2. Potential

Individual letters are preferred in certain circumstances, including: } The issue is closely aligned with your organizational priorities or where your shareholding is particularly significant. } You are