: Adopting modern world-class technology to make KBank the top regional financial service provider 3.3 Customer Segments and Services KBank continues to gear up for being a Regional Digital Bank. To this end

Budget Act and drought. Furthermore, domestic spending may be limited due to weakening purchasing power and hefty household debt. Apart from economic woes, businesses face numerous other challenges that

a large amount of cumulative loss in the past 3 years with the current ratio of only 0.12, which is a result of the large amount of current liabilities being due in one year, but also is at high

through effective capital management and creation of a culture of risk awareness organization-wide, to enable us to cope with possible economic fluctuations in a timely manner. B Being aligned with our

PowerPoint Presentation THE INNOVATIVE POWER FLAGSHIP OF PTT GROUP MANAGEMENT DISCUSSION & ANALYSIS MD&A Q1/2020 PAGE 1 MANAGEMENT DISCUSSION & ANALYSIS (MD&A) Q1/2020 After fully completed the

Bangchak Corporation Plc. Management Discussion & Analysis of Business Operation For Quarter 1/2020 11 - Refinery & Trading 16 - Marketing 19 - Power Plant 21 - Bio-based Products 23 - Natural

percent, with a Tier 1 capital ratio of 15.57 percent. Being aligned with our business strategies, all of the above endeavors allowed KBank and K Companies to meet business targets and at the same time gain

PowerPoint Presentation THE INNOVATIVE POWER FLAGSHIP OF PTT GROUP MANAGEMENT DISCUSSION & ANALYSIS Q4/2019& FY 2019 MD&A PAGE 1 MANAGEMENT DISCUSSION & ANALYSIS (MD&A) Q4 2019 and FY2019 Global

concert and having a controlling power over SUTGH prior to the Entire Business Transfer Transaction. The two shareholders shall hold the Company’s shares in a total of 24.84 percent of the Company’s total

rose by 5.5 percent to Baht 13.2 trillion (79.1 percent of GDP) as of the third quarter of 2019, weighed on household purchasing power. However, in the second half of the year, the government rolled out