, revenue was slightly declined by 1.3 percent from highly intense competition causing average fare to drop by 1.2 percent. Passenger yield per RPK was 4.14 baht, weakened from the second quarter of 2017 by

operating revenue of airline business declined by 6.9 percent from highly intense competition which caused the average fare to drop by 5.8 percent. The average passenger load factor was 68.1 percent. The

subsequent growth in the retail market sales volume. On the other hand, the industrial market experience sales volume decline of 12% YoY from intense market competition. As well as in 2018 the Bangchak

system 6 remained adequate, thus there were no signs of intense competition in the deposit market, especially amid continuous fund inflows. These factors affected KBank liquidity in various dimensions. We

has caused retail market sales volume to increase, whereas the industrial market volume remains similar to the level of Q2/2018 from an intense industrial market competition. 2. Net marketing margin

market recorded marginally lower oil sales compared to the previous year due to the intense competition brewing within the industrial market, and stock management within the refinery during the

-Diesel B20S, which surpasses in quality from the normal B20 in the market. Whereas industrial market sales volume lowered slightly from the intense market competition. 2. Net marketing margin declined

cycle (1 January 2013 - 31 December 2015), the SEC has implemented a more intense inspection program and has given greater weight to the engagement performance element from 15% during the first cycle to

actions against cyber threats.  People and culture: KBank continues to emphasize the cultivation of a cyber risk-aware culture via communication through various formats. Notable endeavors included a

Activity Report 61En INDEPENDENT AUDIT INSPECTION ACTIVITIES REPORT 2018 INDEPENDENT AUDIT INSPECTION ACTIVITIES REPORT 2018 Executive Summary....................................................................................02 Quality Assurance Review Panel........................................03 Activities for Enhancing Financial Reporting Quality.................................................................................................07 Summary of Audit Inspection Results A. Firm-Le...