E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2018 The Thai economy in the second quarter of 2018 gained further traction from the first quarter. The ongoing economic rebound was mainly driven by exports and tourism, whereas domestic spending and investment only gradually picked up. Still, the economy has yet to see strong across-the-board growth. The business sector remained challenged by new modes of competition...

approximately 0.48%. Selling Expenses Selling expenses mainly consist of salary for the café’s staff, space and equipment rental expenses, utility expenses, and other selling expenses such as marketing expenses

margin than average. Selling Expenses Selling expenses mainly consist of salary for the café’s staff, space and equipment rental expenses, utility expenses, and other selling expenses such as marketing and

addition, menus of the month launched early this year yielded higher gross profit margin than average. Selling Expenses Selling expenses mainly consist of salary for the café’s staff, space and equipment

guidelines for compliance with other requirements stipulated by the PSA and any that may be stipulated in the future. We have conducted studies and informed relevant staff to ensure that operations comply with

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which offers high returns, while customers who want to open a K-eSavings Account can verify their identity via facial recognition technology on K PLUS or at K-Check ID. Furthermore, KBank has joined the

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...

1,101.98 9% Adj. staff benefit - - 8.15 - Gross margin 130.94 117.88 11% 557.38 485.45 15% % Gross margin 30% 30% 0% 31% 31% 1% % Gross margin (exclude non-recurring cost) 30% 30% 0% 32% 31% 1

-Social Security 215.54 232.56 -7% Revenue from Social Security 177.35 190.21 -7% Revenue from Hospital Operations 392.89 422.77 -7% Cost of Hospital Operations 276.56 294.32 -6% Adj. staff benefit - 8.15