expand largely from domestic demands contributed both from private consumption and private investment. Private consumption grew notably in durable goods segment (especially in vehicles) while growth in non

. To this end, we continually launched activities, notably, “KBank Exclusive Seminar: Capitalizing on Cambodia”, and a seminar entitled, “Winning in the Disruptive World”.  Large Corporate Business

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter of 2019. Exports, tourism and private investment – among major economic activities – were hampered by the worse-than-expected global economic slowdown. Meanwhile, consumers’ purchasing power weakened amid high household debt, whereas public investment and the government’s budget disbursement were aff...

with changing consumer lifestyles, with the aim of encouraging our customers to conduct more digital banking transactions. Notably, we have teamed up with our business partners to develop features and

to allow customers to transfer their accumulated points to the loyalty programs of KBank’s business partners via K PLUS. Notably, we offered extra points to customers through the “K PLUS: Transfer

outstanding, declining from the end of 2Q20. Although the COVID-19 outbreak situation for Thailand has improved, many aspects of uncertainties remain notably the pace of economic recovery, the on-going spread

implemented our credit policy in support of government measures. Notably, we launched a special-interest loan product requiring SME entrepreneurs to use the financial statements submitted to the Revenue

digital innovations for the highest efficiency of financial transactions in line with changing consumer lifestyles. Notably, we have teamed up with our business partners to develop features and new payment

E_1 Legal_FA_2015_12_29-c A WWCCoorrppLL44..11hhiigg A Executive Summary 1 Management Discussion and Analysis For the Year Ended December 31, 2017 In 2017, Thai economic growth gained traction, buoyed by strong recoveries in tourism and exports. This growth momentum is expected to carry on into 2018, especially amid a brighter outlook in public and private investment. Nonetheless, the business sector remained challenged by new modes of competition in a broader marketplace amid the advancing digi...

E_1 Legal_FA_2015_12_29-c A WCorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2018 In 2018, the overall Thai economy maintained its growth due largely to healthier growth of exports and tourism, especially in the first half of the year. Meanwhile, the government continued to implement measures to promote and strengthen the domestic economy through support of investment and private spending as well as bolstering opportunities for other econo...