has planed to generate more fee base incomes in the future. Expenses In the nine-month period, the consolidated expenses that consisted of operating and administrative expense, bad debt and doubtful

addition, they have to maintain prudent credit underwriting policy and be prepared for regulatory changes regarding the Basel III capital requirements and the International Financial Reporting Standards

effort was development of the LINE@Kprivatebanking application as a channel for sending our customers data and market updates prepared by a KBank Financial Advisory team and Lombard Odier. KBank Private

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

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2018 The Thai economy in the second quarter of 2018 gained further traction from the first quarter. The ongoing economic rebound was mainly driven by exports and tourism, whereas domestic spending and investment only gradually picked up. Still, the economy has yet to see strong across-the-board growth. The business sector remained challenged by new modes of competition...

in the year 2017 caused from expense of bond issuance at Baht 3.89 million and allowance for doubtful account at Baht 2.52 million, however in year 2016 the reversal of doubtful account was Baht 9.79

, 2017 which increased from the same quarter last year totaling 11.08 million Baht or 6.73%. The major reason for the increase is due to an increase of 9.13 million Baht in allowance for doubtful debts

or 157.34%. The primary cause is the cost in the production of agricultural business increased. 2. Allowance for doubtful accounts (reversal) by 0.16 Million Baht increased from the same period last

% 65% 5,646 7,933 301 1,456 5,651 8,988 513 1,984 0% 13% 70% 36% Total Revenues 5,225 5,664 5,979 6% 14% 15,335 17,136 12% Operating and administrative expenses and others Bad debts and doubtful accounts

up of Allowance for Doubtful accounts and loss from investments which increased by 112.24 million Baht from last year and the increase in sales and administration cost to support the expansion of