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External Business Factor

         Positive Factor                             Negative Factor

 • Country Economical                         • Currency exchange rate
   growth                                     • Protest between red
 • Investment in country                        and yellow shirt
 • Increase of worker                         • Flooding crisis-lost
   salary                                       manufacturing output,
 • Eco-car policy – car                         earlier 2012
   loan                                       • Euro zone dept crisis
                                                (5.0% decline 2012)

Apart from above factors, Bank of Thailand are controlling interest of bank Loan
External Business Factor
Economical Factor
Demand and Supply

Key Driver             Key Driver

• Investment Rate     • Number of branches
• Business Growth     • Number of ATMs
• Loan                • Credit Card Campaign
• Mortgage            • Deposit Rate


Demand                Supply
Demand and Supply
Estimated Demand
Demand and Supply
Estimated Demand
Demand and Supply
Estimated Supplied
Demand and Supply

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Kbank presentation tuche slide 3