investment decelerated after showing high growth in the fourth quarter of 2018. Even though private consumption continued to expand, growth was concentrated in only certain product categories. Likewise

265. 36 million or 36. 6% from year 2015. During its business restructuring, the Company made a lot of investment in recurring business. In parallel, the Company was also concentrated on increase

was uneven, with improvement concentrated in only certain industries. Under these circumstances, KBank has developed effective credit risk management policies, tools and processes to cope with potential

and business opportunities in each individual sector and area across all industries. In parallel, we focused on the development of technological solutions with the aim of becoming “Customers’ Life

delivering an excellent customer experience in order to empower every customer’s life and business, we prioritize the offering of attentive and inclusive services as a trustworthy service provider. We can

governance, appropriate risk management and effective cost management. At the same time, we have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai

sustainable growth and reasonable returns to stakeholders. In 2018, KBank focused on customer service and credit risk management for every customer segment. Customers’ businesses were challenged by

clients. In addition, we remained cautious in credit underwriting of small and micro businesses, and focused mainly on existing customers with good track records or classified as low-risk customers. 2.2

businesses. We also prioritize risk assessment through prudent screening and close monitoring of borrowers. At the same time, KBank has focused mainly on borrowers with good track records, as well as existing

quarter of Year 2018, equaled to 63.3% comparing to the 1st quarter of Year 2017, equaled to 66.9%. It was in the declining period. The Company focused on controlling costs including the higher in total