needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

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...

, businesses and payment have shifted into the digital realm. Meanwhile, cyber threats have become more sophisticated, as seen from their application of state- of-the-art technologies. Against this backdrop

endeavor is intended to extend our service capabilities beyond the banking realm. In this quarter, we placed greater importance on system management beyond just financial service provision, especially with

-financial services in order to meet customers’ needs beyond the banking realm in a bid to broaden our customer base in the digital age. Our key operations in three main customer segments in the first quarter

Transaction When the permission for Franchise entitlement granted to HHC; WCIG, WCIH, EFORL must not operate competitive business in HHC’s territory against HHC. All this, the transaction shall be arise when

(Domain Names), Facebook, Line and Youtube user-accounts that KMM owns or is entitled to use. The above transactions (“Komchadluek Business and Trademark Acquisition”) is considered an acquisition of assets

customer from 2019 to mid of 2020 due to eminent domain problem. Revenue from sale of electricity rose by 8.69% as a result of ongoing repair and maintenance of the overall power generator which gradually

AND ANALYSIS 2019 Revenue from steel tower manufacturing decreased by 37.21% as a result of rescheduling of production and delivery plan by major customer from 2019 to mid of 2020 due to eminent domain

perimeter of each domain clearly, and control the access to each domain in a secure way; (4) put in place procedures to protect information transfer through computer network systems; (5) arrange for the