, especially global economic fluctuations and unresolved political issues. Businesses have also had to contend with new regulations and government projects. All of these factors affected the performance of KBank

single brand of KASIKORNBANK. In alignment with our business strategies for 2019, KBank and subsidiaries thus reported Baht 38,727 million in net profit, increasing Baht 268 million or 0.70 percent

of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the

durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

Baht volatility and international capital movements. Within this context, KBank has accentuated enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership

cost over the long term, which will in turn help reduce costs within the economic system.. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve

stimulus measures. Against this backdrop, KBank has established its business direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate

ratio in this quarter stood at 49.31 percent. KBank also set aside a higher expected credit loss of Baht 3,047 million compared to the preceding quarter, with prudent consideration of factors in line with

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership