social distancing practices put in place to combat the viral transmission, which have posed a new challenge to our competitiveness, while we have sought new business opportunities to secure our status as a
future employment prospects. These factors are causing customers to be cautious and delay spending related to home decoration or renovation. During the first nine months, the Company’s total revenues and
. Spending was boosted by the government’s stimulus measures and the export sector was supported by brightening global economic prospects. However, any potential Thai economic recovery over the rest of the
the market. With these factors, the company is assured that J FinTech Co., Ltd. as a subsidiary will have the better operation prospects from the second quarter of 2018 onwards. 2. Financial Technology
businesses have felt compelled to seek new business opportunities. KASIKORNBANK has established our business directions on the foundation of a Bank of Sustainability, accounting for the balance of three
support of investment and private spending as well as bolstering opportunities for other economic sectors. Nonetheless, protectionism triggered by the US-China trade dispute dealt a blow to global economic
............................................................... 9 VIII. INFORMATION ABOUT THE ISSUER ................................................................ 9 IX. OPERATING AND FINANCIAL REVIEW AND PROSPECTS ................................. 11 X
................................................................... 7 VII. INFORMATION ABOUT THE ISSUER .................................................................... 7 VIII. OPERATING AND FINANCIAL REVIEW AND PROSPECTS ...................................... 9
3 VIII. OPERATING AND FINANCIAL REVIEW AND PROSPECTS 5 IX. DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES 6 X. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS 7 XI. INTERESTS OF EXPERTS AND COUNSEL 8