, KBank launched life insurance products that are responsive to customers’ needs. Notable products were Life Insurance: Endowment 215, which offers an attractive return of 3.01 percent; and Life Insurance

tactics, KBank, in this quarter, introduced deposit and investment products, including special fixed-term deposit offering attractive interest rates, various types of mutual funds and life insurance

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2018 The Thai economy in the second quarter of 2018 gained further traction from the first quarter. The ongoing economic rebound was mainly driven by exports and tourism, whereas domestic spending and investment only gradually picked up. Still, the economy has yet to see strong across-the-board growth. The business sector remained challenged by new modes of competition...

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...

ASEAN markets • Establishes a strong foundational platform in a highly attractive and fast growing market through a quality bank of scale 2 For the calculation of the transaction value, the IDR amount has

aggressive plans which offered a large bucket of data and attractive voice quota were launched in prepaid. Low-end handset subsidies remained selectively offered by area while high- end handset models were

maintaining network quality and attractive handset campaigns, AIS targets to acquire and retain quality data users in both postpaid and prepaid segments, while expand AIS fibre coverage to capture untapped

competition improved from previous year with price adjustment seen in 1H19 in both postpaid and prepaid segments. However, prepaid unlimited data plans has re-emerged in 2H19. Bundling attractive discounts on

increase the numbers of gas stations selling B20 to 1,000 stations within end of this year. For natural fatty alcohols market, in 1Q2019, it was better than 1Q2018, as its price was more attractive than

warrants exercise  LTM 3Q18 Operating Cash Flow of $1,037 million  Net Operating D/E ratio 0.53x; Rating Upgrade to AA- with “Stable Outlook”  2019 Guidance reaffirmed; attractive and accretive production