of utility services in Q1/2018 compared with those in the same period of 2017, (while utility service income is stable), are attributable to the road and water system repairing cost. ▪ An increasing

quarter, net interest income advanced over-quarter and over-year. Likewise, net interest margin (NIM) was stable from the previous quarter. This reflected commercial banks’ attempts to manage funding cost

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2019 In the first quarter of 2019, the Thai economy continued to 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, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has e...

, leading to the launch of pioneering marketing campaigns. Distinguished efforts included sales of mooncakes of 16 famous brands via K PLUS, the Pay with K PLUS service or payment in Facebook that offered the

the new products. Therefore, the overall sales figure of the quarter remains stable. 2. The consolidated gross profit margin was 13.14%, increased from the same period of last year at 8.12%. The company

of March 2019, deposits continued to expand while loans dropped slightly. Consequently, the ratio of loans to deposits declined from the end of 2018. However, loan quality was relatively stable as the

digit driven by all business segments. EBITDA margin is expected to be stable while budgeted for CAPEX of Bt20-25bn (see guidance on page 6). Significant Event for FY19 Since 1 January 2019, AIS has

having a tendency to decline as the GDP is expanding. Moreover, the number of unemployed in the 4Q/2022 amounted 4.62 hundred thousand people, or an unemployment rate of 1.2%, remained stable from the

Exchange of Thailand Business Overview In the year 2018, the Thai economy remained stable with the volatility of global economy including the impact of the trade war between the United States and China

the Thai baht remained in line with those of other currencies in the region, close monitoring of short-term capital flows is necessary. The overall financial system remained stable and resilient to