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

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transaction in line with our strategic direction highlighted in the 2019 Capital Markets Day. On a proforma basis, this acquisition adds 25% to IVL’s 2018 core EBITDA and also adds 23% of additional

has been greater clarity on the direction of public investment in infrastructure projects, including those in the Eastern Economic Corridor (EEC). These factors have helped underpinning private sector

demand faced contraction in the same direction as private consumption on durable goods and services significantly contracted because people avoided going outside. Other fators include the suspension of a