business environment and ongoing changes in regulations. As of September 30, 2019, deposits grew at a higher rate than loans, with the ratio of loans to deposits declining from the end of last year as a

, which is expected to take place in the early of 2019. Thai Banking Industry Although the commercial banking system in Thailand is facing ongoing challenges from the economic environment, its lending and

Development Goals (SDGs). In the first quarter of 2020, KBank became a signatory to the UN Principles for Responsible Banking of the United Nations Environment Programme Finance Initiative, or UNEP FI. KBank is

://creativecommons.org/licenses/by/4.0/legalcode. SDG Impact Standards for Enterprises 4 Foreword The 2030 Agenda for Sustainable Development and its 17 Sustainable Development Goals -- or SDGs -- are the world’s

environment of both the public and private sector remained weak, and private consumption, albeit growing steadily, slowed during the second half of the year. Meanwhile, the Thai economy in 2020 is expected to

• Small family-owned enterprises engaged in regular economic activity Employment generation (SMEs financing) • MSMEs including smaller ones and those with limited, less favourable, or even no access to

and environment – under good corporate governance, appropriate risk management and effective cost management. Prioritizing the development of technological solutions with the aim of becoming “Customers

and subsidiaries reported Baht 9,744 million in net profit, decreasing Baht 1,173 million or 10.75 percent over-quarter. The decrease could be attributed to non-interest income, which dropped Baht 3,187

Mekawuttik The third party who is not a related person and has no relationship with the directors and/or the executives of the Company and/or major shareholders including those who are related to this person

including the work-from-home cooperation, the SEC adopted a remote approach for inspection of audit firms’ quality control systems, which enabled the SEC to maintain a regular inspection of such systems. In