financial instruments in 3Q2018 were Baht 464 million, an increase of 45% from 3Q2017, due to an improved performance of the Company’s wide range of investments. 2.Expenses 2.1 Employee benefits expenses The
consideration of market specificities and nuanced approaches for different engagements • Numerous engagement options and reference points for investors, supported by wide range of tools, benchmark assessments and
to 7.5%; Underperform where an ETR less than or equal to 5%. A Neutral may be assigned where the ETR is between - 5% and 15%. The overlapping rating range allows analysts to assign a rating that puts
mitigation measures have been implemented to reduce adverse impacts on water as well as on protected habitats and species directly dependent on water. Measures include, where relevant and depending on the
to be in the enterprise’s acceptable range (risk appetite); (4) establishment of IT risk indicators for risks identified under (1) and arrangement of monitoring and reports of such indicators for
from internal or external factors, possibly having adverse impacts on, or causing monetary or non- monetary losses to, KBank and our customers, directly or indirectly. Recognizing the importance of cyber
to be in the enterprise’s acceptable range (risk appetite); (4) establishment of IT risk indicators for risks identified under (1) and arrangement of monitoring and reports of such indicators for
feedbacks would minimize adverse effects of the deficiencies and lead to quicker improvements. Results from the inspections during the first half of 2014 revealed prevalent deficiencies on the uses of
regulators and policy makers to further develop a sound, stable, resilient, and inclusive financial sector to support national economic growth and recovery from any economic shocks such as the adverse impact
segments while leverage synergies from acquisition. With CSL combined, in 2018, service revenue (excluding IC), is expected to grow in a range of 7-8%, 2% of which is from full consolidation of CSL. Through