provide special discount packages to clients whose booking and stay period within 31 December 2020 and put its hotels in Thailand on “We Travel Together” campaign launched to promote local tourism industry

line with the growth in the industry, coupled with, pent up demand during lock down period. - Food business: new format and new store concepts have been implemented to serve the lifestyles of our

. Nevertheless, the average selling price of biodiesel has increased significantly in accordance to the price of crude palm oil as the main raw material. Due to heavy rains and flooding in many areas in early Q4

V2 14/05/62 0 V2 14/05/62 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in the First Quarter of 2019 The Thai economy in the first quarter of 2019

global economic slowdown, the coronavirus disease (COVID-19) pandemic severely affects the tourism industry. The World Tourism Organization has assessed the likely impact of the COVID-19 that international

Page 2 Management Discussion and Analysis 1. Power Industry and Competition 1.1 Electricity industry and Economic situation in Thailand Thailand’s economy expanded by 2.4 percent in 2019, lower than 2018

” and making KBank the Customers’ Main Bank for all eight customer segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality

represents decreasing of 34 Million Baht (2,642%) from Q1/2017. The main cause for the lower net profit is economic in Thailand just recovery, and there is a delayed effect before reaching down to

million, an increase of THB 11.07 million or 147.94 per cent, compared to the same quarter in 2018. The main reason are as follows: 1. The Consolidated Financial Statements for the 3rd quarter of 2019, the

by 19% compared to the same period of 2016. The main reason is the economic slowdown which contributed to a decrease of 24% in advertising revenue and 19% decrease in revenue for newspaper circulation