chain as earlier explained. However, Branded export sales continued to grow outstandingly by c.25% as a result of the Company’s successful marketing strategy in each focused country as earlier explained

each focused country. Sales breakdown by business and geography are as follows: Sales Breakdown by Business:  Brand: Baht 2,042 million, down 9% YoY  CMG: Baht 2,342 million, down 16% YoY  Sales ratio

acquisition and maintain existing subscribers . The spending on handset subsidies were controlled and focused on quality subscriptions, even though new models e.g. iPhone X, Samsung Note 8 were released

take-home or delivery services only. The Group placed importance on maintaining continuity in providing efficient services to our customers and therefore the Group focused on improving the efficiency of

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership

home while the entry plan remained stable around Bt400. The operators mainly focused on value-added services such as speed boost, equipment upgrade, service quality and VDO contents. AIS Fibre focused on

sustainable growth and reasonable returns to stakeholders. In 2018, KBank focused on customer service and credit risk management for every customer segment. Customers’ businesses were challenged by

help companies focus on the long term. Financial sustainability is something all investors and companies should be focused on, but in today’s demanding market environment and short-term culture, it’s

clients. In addition, we remained cautious in credit underwriting of small and micro businesses, and focused mainly on existing customers with good track records or classified as low-risk customers. 2.2

lending policies to match each industry to be better suited to the prevailing circumstances. At the same time, KBank has remained cautious in credit underwriting of retail customers’ loans, and focused