these regulatory changes. We have prepared internal processes and developed employees’ skills to ensure that our services are appropriately provided to customers in line with international standards

tax cut packages and accommodative fiscal policy. Broadly speaking, both developed and developing economies, excluding China, showed signs of improvement in concert. Looking forward, the global economic

forecast of 3.5 percent, due to anticipated weakness in developed economies throughout the first half of 2019. The global slowdown will not only dampen the international trade and investment atmosphere, but

developed “MyPromptQR” which is a new format of QR payment to facilitate Medium Business and larger-segment customers. Another notable initiative is collaboration with KFC – KBank’s business partner – to

efforts of all units involved. KASIKORN SECURITIES PCL has developed investment technologies plus varied functions in alignment with investor behavior in the digital era, driving the company to garner a

operating performance of the wholly-owned subsidiaries of KBank was also satisfactory in terms of quantity and quality due to the concerted efforts of all units involved. KASIKORN SECURITIES PCL has developed

the core strategy of “Customer Centricity”, we continued to place our focus on making KBank our Customers’ Main Bank. We have therefore developed our business in various dimensions – from eight customer

term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of Core Businesses 3.1 Sustainable Development and Corporate Governance Notable progress of KBank’s

Audit Division 10  Key Developments to Strengthen Risk Management KBank places a great emphasis on effective and timely risk management. Risk management policies, tools and processes have been developed

,” and a discussion on “Notable Accounting Tips for SMEs.” Over 130 SME operators and executives and employees of the Department of Industrial Promotion attended the event, held at SEC Office