i l i t y Environmentally friendly and reducing the environmental impacts of our own operations Financial support to environmentally- friendly businesses Financial inclusion and financial literacy

E_1 Legal_FA_2015_12_29-c A FFeeCCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended September 30, 2017 The Thai economy maintained steady growth in the

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

other natural water sources 4. Maintaining and expanding eco-friendly green areas 5. Promoting sustainable consumption and production 6. Promoting sustainable maritime-based economic growth 7. Increasing

support environment-friendly businesses and projects via the integration of environmental and energy management practices into all our operations.  Society: KBank issued the Diversity Management statement

ECB resolved to hold its policy rate steady at zero percent. However, the ECB lowered its interest rate on the deposit facility, putting it more deeply into negative territory, while it also planned to

Industry (Laos) Co., Ltd. of 50.10MB was included in year 2016. The company sustained steady progress in its make-over strategy into renewable Energy by acquiring another 30MW of solar farms in Thailand in

for milk and yogurt and consumer was in steady state. 2. The consolidated gross profit margin was 13.48%, decreased from the same period of last year at 15.43% due to increase in plastic resin cost

and foreign exchange transactions enjoyed steady growth. Meanwhile, our impairment loss on loans and debt securities grew at a decelerating rate in line with NPLs to total loans which declined slightly

respectively. The Company has steady income from the business with the main transactions from the transmission tower and cable network installation for TRUE and CAT for instance. Maintenance and Service Business