, resulting 24 SEC Classification : ใชภ้ายใน (Internal) in managers taking actions that are beneficial to shareholders in the long run, including fostering strong positive corporate culture. Cognizant of

audit firms usually belong to a group of firms or a large network firm, which could lead to situations where the auditors’ independence could have been impaired had the firm leaders not been cognizant of

PUBLIC COMPANY LIMITED G ABLE PUBLIC COMPANY LIMITED G CAPITAL PUBLIC COMPANY LIMITED G J STEEL PUBLIC COMPANY LIMITED G STEEL PUBLIC COMPANY LIMITED GATEWAY SAKA EKKAMAI COMPANY LIMITED GEAR CORPORATION

both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by

the industrial market was higher; due to the harvest season for the groups of agriculture customer approaches, as well as the traveling season kicking into gear. Combined with the fact that during this

: Adopting modern world-class technology to make KBank the top regional financial service provider 3.3 Customer Segments and Services KBank continues to gear up for being a Regional Digital Bank. To this end

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...

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...