operations are up to international standards through quality control, verification and prevention of risks for both customers and KBank. 11  Affluent Making the most of our strong overseas network, we aim to

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...

Strategic Global Multi-Asset Fund (K-SGM) and K Global Risk-Enhanced Allocation Fund (K-GREAT).  Affluent KBank continued to focus on becoming our Customers’ Main Bank in this segment, in order to increase

hold small-scale seminars in other provinces nationwide to allow our clients residing there to gain access to world-class knowledge.  Affluent KBank prioritized expansion of new customers with potential

, 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

Japan. Moreover, KBank gave support to our customers to join networking sessions and activities throughout the course so as to further develop their cordial relationships.  Affluent We continued to place

asset management companies via our open architecture platform.  Affluent KBank prioritized expansion of new potential customers who reside in strategic provinces across the country through the

personnel.  Affluent KBank continued to place our focus on becoming our Customers’ Main Bank. We prioritized portfolio quality improvement in a comprehensive manner via collaboration of relevant divisions

order to support our customer in passing through the present crisis together. Affluent: To elevate THE WISDOM brand and maintain our leadership status in this segment, KBank aims to deliver a superior

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...