, Switzerland. 14  Affluent We continued to place our focus on making KBank our Customers’ Main Bank under the core strategy of “Customer Centricity”. With “Big Data” processing and analyzing to provide insights

constrained by high household debt. Fierce competition continued and each bank attempted to develop products and services to serve customers through digital channels. New business models, together with insights

Management No. 17, organized for new-generation executives to endow them with insights beneficial to their businesses. With customer benefits in mind, KBank has given support to the government’s projects

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

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...