technology will have many impacts on commercial banking. The use of smartphones and tablets is growing rapidly and easy access to digital media is changing how consumers use financial services. This is in line

company to govern retail service station prices that best accommodate the finished product cost. While, in Q3/2018 crude oil price was on the rise, retail price adjustment was outpaced by the rapidly rising

to Thailand, which caused the Thai Baht to strengthen rapidly. To cope with domestic and international economic and political uncertainties as well as abrupt changes in capital movements, KBank is

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...