Microsoft Word - public hearing-complex&ACMF08082018 เอกสารรับฟงความคิดเห็น เลขที่ อจต. 33 /2561 เร่ือง รางประกาศการแกไขหลักเกณฑเก่ียวกับการออกและเสนอขายตราสารหน้ี และการเปดเผยขอมูล ครั้งที่ 2

only gradually picked up. Even then, such growth remained uneven; improvement was seen only in certain businesses and in some areas. On the downside, however, trade policy uncertainty, in particular

sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition

, highly connected with other financial institutions and the financial system, offer complex financial products and play a role as major providers of financial products and financial infrastructure, are

tourists, compared to 5,872,145 people in the pre-COVID-19 period (Jan-Feb 2020), as travel restriction remained in place. In 2021, the recovery of the Thai economy is expected to be fragile and uneven

to certain groups of customers and limited growth in some types of loans amid an uneven economic recovery. In addition, net fees and service income of the banking system continued to enjoy steady

geopolitical situations remain risk factors affecting economic activities of Thailand’s trading partners. At the same time, uneven recovery of household purchasing power may be further hindered by the floods in

offering of complex and risky financial tools and services now requires investors to complete an assessment test to confirm understanding of the products or services, as well as ensuring analytical reports

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

Risk Management During the first quarter of 2018, the Thai economy saw an uneven recovery amid limited growth in consumption, weak farm income and risks from uncertain trade policies and protectionist