protection and reciprocal retaliation between the United States of America and the People’s Republic of China along with an increase in federal funds rate, which negatively affect trading-partner economies

. How- ever, in many markets individuals and their families are dominant shareholders (for example, in Hong Kong, China). These individuals or families may control a large group of companies, with

additional provision of THB 20 Million due to increase in the benefit of employees who have past service of 20 years or more from 300 days to 400 days according to the announcement of Labour Protection Act

areas, with a relatively comprehensive framework and high levels of compliance. However, it also finds some gaps: 2 principle are implemented at 50 (out of a 100 percent) or less, and 14 at 75 or less

Location Project Progress Completion Type Presales ESCENT Nakhon Ratchasima Under Construction 2019 380 units 100% ESCENT Chiangrai Under Construction 2019 312 units 80% ESCENT Chiangmai Under Construction

customer expectations, consumer protection and customer privacy. Beyond these strategies, we focus on predictive risk management with the aim of maintaining KBank’s stability as a leading financial

" of the Securities and Exchange Commission (SEC). An English version of the MD&A has been prepared from the Thai version. In the event of a conflict or a difference in interpretation between the two

customers both directly and indirectly. In the second quarter of 2017, KBank and subsidiaries reported a net profit of Baht 8,986 million, a decrease of Baht 1,185 million, or 11.65 percent over-quarter. The

segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality excellence, with greater consideration of consumer protection in order to