and widely expanded across more areas. Furthermore, the Company also introduced various products through online channels to keep customers informed and able to access products more easily 4. Efficient

. For credit card products, KBank JCB Credit Card was introduced to broaden the base of customers who are Japan lovers. Notable campaigns to promote application for credit cards and card spending per our

increase in deposits from the government sector in both current and savings accounts, and special deposit products under long-term programs introduced by certain banks. Liquidity in the Thai banking system

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...

. Teaming up with KASIKORN ASSET MANAGEMENT CO., LTD., we introduced the K Global Risk-Enhanced Asset Allocation Fund (K-GREAT) – a risk-based asset allocation fund initiated by Lombard Odier – a new form of

submitted to the Revenue Department for income tax filing – rather than bank account statements – as a support document when applying for loan. Moreover, we 13 introduced a product offering a special credit

contacted to sell the program rights to a customer who operates a digital television station who had given attention and was considering to buy the program rights from the Company. Then, they introduced a

Green Apple in 250ml can were already introduced into the country. Sales of 3rd party products for distribution were THB 1,409 million, increased by THB 389 million or 38.2%, showing a consecutive growth

slowdown in net addition in the 2H17. At year end, fixed broadband business contributed 2.9% to service revenue, compared to 1.2% in 2016. With an aim to be the digital life service provider, AIS introduced

Application to add more functions. The Company also launched the E-statements service and introduced the kiosk concept at some of branches in order to reduce our operation cost. - Bad debt and Doubtful accounts