Asian central banks reduced their policy rates continuously. Looking domestically, Thailand’s economic activity in many sectors declined in line with the overall global economy. The tourism sector in

of 2019. Exports, tourism and private investment – among major economic activities – were hampered by the worse-than-expected global economic slowdown. Meanwhile, consumers’ purchasing power weakened

transactions, and thus slash our cash management costs, leading to reduced costs for our customers and within the overall economic system in the long run. Within this context, KBank and K Companies accentuate

financial transaction services to offset reduced income after the waiver of fees for funds transfer via digital channels. By the end of the fourth quarter, banks should be prepared for new rules and

) and Dubai crack spread (IK/DB) retracted 0.76 $/BBL from the average of 12.95 $/BBL during the previous quarter. This stems from weakened demand due to the warming weather in summer. Also contributing

TFRS 16 adoption. OCF after deducting lease liabilities declined -12%YoY from weakened EBITDA, hence, it was sufficient to cover CAPEX of Bt18,040mn and spectrum license payment of Bt23,707mn. As a

War trade crisis between USA and China which were heavy retaliate. China’s currency has weakened to lower than 7 Yuan per 1 USD that is the first time in 11 years after USA announce to increasing the

) Factors Having Impact on Future Operating Results The Corporate Group expects that overall picture of the construction material market during the second half of the year will be weakened due to impact from

the weakened THB. AIS has the policy to mitigate the currency risk using hedging instruments where applicable. Other Income (expense) at Bt414mn, increasing 212% YoY and 46% QoQ mainly from full quarter

from the weakened household income especially in non-farm income together with the tightening of financial institutions credit approvals due to the deteriorations in asset quality. The non-durable goods