Thai Economy in the First Quarter of 2018 The global economy showed signs of continual growth at the beginning of 2018. However, close attention should be paid to uncertainty surrounding US trade policy

maintained its growth momentum. Similarly, Thailand’s major economic indicators continued to exhibit growth, as evidenced by brighter exports, government spending and private spending on certain items of

Bangkok and vicinity responded with mixed signals, the Company’s projects were well received from our customers. The most recent completed project, The Lofts Asoke, started to transfer to our customers in

policy. Meanwhile, the Thai economy began to show financial signals after the Monetary Policy Committee decided to maintain the policy rate. This is a result of the Thai economy has continued to grow well

including the recovery of investment signals in new projects and government spending. These are the economic stimulus that benefited the customers of the Company and its subsidiaries in various industries and

of Operating Environment 1.1 Global and Thai Economy in 2017 and Outlook for 2018 The global economy maintained its growth momentum throughout 2017. Positive signs were evident in core economies

economy, especially China, several other Asian countries and those of the European Union, showed signs of a slowdown during the second half of 2018 primarily due to concerns about the US-China trade dispute

.  Debt Quality Monitoring KBank has developed risk indicators to monitor and control asset quality, as well as credit-utilization behavior, as early warning signals to prevent deterioration in credit

2565 21 2567 2565 30 - 9 5 1 2565 20 9 2566 21 2567 1. 2. 2 3. 2 4. 5 5. 6 6. 3 - 7 Audit Quality Indicators AQIs sasipim Typewriter (ไม่เปิดเผย) - 1 - ) 5 1 % 2565 2562 1 (Leadership

showed signs of ongoing growth. This is despite the fact that the Federal Reserve has embarked upon a course of policy rate hikes and its Balance Sheet Normalization Program, wherein maturing US Treasuries