fees and service income resulting from the cancellation of funds transfer fees via digital channels and a decrease in net premiums earned - net. Furthermore, certain banks were burdened with increased

backdrop of protracted trade tensions and increased risk that no common trade deal would be reached by the US and China. Furthermore, concerns over an impending recession were elevated, as evidenced by a

operations and exposures in commodities • Impairment issues • Heightened cost controls at audit clients • Governance challenges (cannot get or retain strong directors) Layoffs Reduced  capacity Audit fee

decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles

, registering a growth of 45% QoQ and 21% YoY), positive contract adjustments and inventory gains  Our company-wide cost and business transformation, Project Olympus, yielded US$67M during the quarter, on track

purchasing power. However, from Sep-21 onward, restrictions were gradually lifted, resulting in some improvement in consumer spending. Meanwhile, competition in mobile industry remained elevated as operators

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter

deliver a positive customer experience anywhere, anytime through collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, startups and our business partners under the

international debt collector committee, illegally purchased 5,000,000 shares of PLE through others? accounts in such a way as to take advantage of other persons by using positive material non-public information

campaign boosting customer’s spending. In addition, price competition has heightened, underpinned by the low fixed-speed unlimited plans which limit the ARPU growth. For 5G service, our 5G network continued