Review Panel (“QARP”) First step with confidence Activities for audit quality enhancement Summary of inspection results Next step for stability Conclusion Significant statistical information 3 4 7 8 13 31
operating performance of the HomePro business in Malaysia is still not in line with the plan, with concerns over consumer confidence. However, the subsidiaries have continuously improved operational
retail businesses, has also been impacted by several of Thailand’s economic indicators including the consumers’ confidence index which hit the lowest in 38 months, the floods in upcountry, as well as the
private consumption in almost every product category, in-line with the improving consumer confidence indicator, with the exception of some agricultural products whose prices remained at low levels, and last
personality, confidence and elegant beauty of the ladies. The Company has know-how and is specialize in this business filed. In order to give response to the demand consumers’ demand that have more variety
context, KBank and K Companies operate our business as a Bank of Sustainability under appropriate risk management and good corporate governance. We accentuate enhancement of our business capabilities to
confidence; 3.) strong tourism growth mainly from higher international tourist arrivals, especially from the ASEAN region, despite a slight decline in Chinese tourist arrivals during the second half of 2018
confidence; 3.) strong tourism growth mainly from higher international tourist arrivals, especially from the ASEAN region, despite a slight decline in Chinese tourist arrivals during the second half of 2018
decline in September 2.) growth in private consumption supported by higher household income in various sectors, including agriculture, and recovering consumer confidence, whilst inflation level also grew
purchasing power has still not recovered. This is reflected in the consumer confidence index which remains at very low levels, with consumers remaining concerned over high levels of household debt and their