Introduction & Overview 1 Monica Bae Regional Lead, Capital Markets CDP SEA & Oceania CDP is a global environmental impact non-profit working to secure a thriving economy that works for people and

-hours in 2017. A growth of electricity consumption was mainly driven by the expansion of economy and thriving tourism. As for economic outlook in 2019, National Economic and Social Development Board

our regular reviews and improvements in liquidity risk management processes at KBank and K Companies, these actions are consistent with economic circumstances and rapid changes in financial asset prices

CDP is a global environmental impact non-profit working to secure a thriving economy that works for people and planet. 11 ABOUT CDP CDP CAPITAL MARKETS | @CDP CDP runs the global disclosure system that

: Creating Demand-led Products and Services Creating demand-led products and services is essential for a thriving sustainable finance sector which requires reinvestment in continual improvement. To reach this

in line with thriving exports, and capital inflows into Thailand’s debt and equity markets, which was consistent with fund inflows seen in other emerging markets. Given these, the Thai Baht

low-risk customers. Regarding home loan, we will revise our credit policy to be consistent with the Bank of Thailand’s macroprudential measure to be implemented to preclude speculation in the real

percent owing to seasonality. Given our funding cost management appropriate for the prevailing risk in a fragile business environment, KBank maintained key financial ratios at levels consistent with our

Omnichannel platform which is thriving as we attract new customers and welcome back existing ones. After reopening stores, our sales and profit in the third quarter have steadily recovered compared to the last

and improvements in liquidity risk management processes at KBank and K Companies, these actions are consistent with economic circumstances and rapid changes in financial asset prices. We continue to