take-home or delivery services only. The Group placed importance on maintaining continuity in providing efficient services to our customers and therefore the Group focused on improving the efficiency of

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership

home while the entry plan remained stable around Bt400. The operators mainly focused on value-added services such as speed boost, equipment upgrade, service quality and VDO contents. AIS Fibre focused on

. AIS focused on quality customer acquisition with 5G packages while enhancing customer experience and providing various benefits in collaboration with strategic partners. However, the revenue declined

sustainable growth and reasonable returns to stakeholders. In 2018, KBank focused on customer service and credit risk management for every customer segment. Customers’ businesses were challenged by

clients. In addition, we remained cautious in credit underwriting of small and micro businesses, and focused mainly on existing customers with good track records or classified as low-risk customers. 2.2

lending policies to match each industry to be better suited to the prevailing circumstances. At the same time, KBank has remained cautious in credit underwriting of retail customers’ loans, and focused

businesses. We also prioritize risk assessment through prudent screening and close monitoring of borrowers. At the same time, KBank has focused mainly on borrowers with good track records, as well as existing

, Myanmar, Cambodia and Taiwan. EGCO has consistently kept monitoring and analyzing electricity industry situation to explore investment opportunities in those targeted countries. The overall industry

card applications on the Company’s website and dealers network nationwide. In addition, the Company has focused to continue enhancing the relationship with our existing business partners to increase