reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2017 1 1.2 Banking

and satisfactory operating performance allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous

operating performance allowed KBank and K Companies to meet business targets while also gaining wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this

allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this quarter. C

from interest income from loans and interest income from investment. Other operating expenses were close to the same period of previous year. 17 Major financial ratios that reflected operating

segment. Increase in crude prices and restocking to support forthcoming seasonal demand has resulted in this trend being reversed in 1Q19. o 2019 is also expected to outperform 2018 as legacy contracts in

แต่รายการพเิศษจากการบนัทกึกลบั รายการการคา่ใชจ้า่ยคา้งจา่ย (Reversed accrued expense) ในไตรมาสนี้ สง่ผลใหค้า่ใชจ้า่ยในการขายและบรหิารปรบัลดลงรอ้ยละ 5.6 เมือ่เทยีบกบัปีก่อนและลดลงรอ้ย ละ 2.5 เทยีบกบัไต

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

will be valued using fair value method and the difference in fair value will be reflected in Goodwill. However, the company remains committed to implement operational excellence and the optimization of

recorded at the time of acquisition of GLAND, which reflected the fair value of GLAND’s investment properties at that time. As a result, the depreciation and amortization expenses from those investment