actions against cyber threats.  People and culture: KBank continues to emphasize the cultivation of a cyber risk-aware culture via communication through various formats. Notable endeavors included a

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...

United States, caused slowdown of the global economic growth and resulted to the narrow of metallic spread. The company's gross profit margin fell from 5.7 percent in 2017 to just 0.9 percent in 2018 which

war between China and the United States, caused slowdown of the global economic growth and resulted to the narrow of metallic spread. The company's gross profit margin fell from 5.7 percent in 2017 to

term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of Core Businesses 3.1 Sustainable Development and Corporate Governance Notable progress of KBank’s

been embraced and applied to match students’ lifestyles. Notable endeavors include the launch of an application for enhanced learning efficiency and support of cashless transactions among on-campus shops

E_1 Legal_FA_2015_12_29-c A WCorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2018 In 2018, the overall Thai economy maintained its growth due largely to healthier growth of exports and tourism, especially in the first half of the year. Meanwhile, the government continued to implement measures to promote and strengthen the domestic economy through support of investment and private spending as well as bolstering opportunities for other econo...

notable improvement of the performance in terms of revenue and cost-saving compared to last quarter. However, Overall performance on a year-over-year basis was affected by the change in structure of revenue

into year-end due to continued strength at our customers taking into account the normal seasonal effects” 2. Outlook Marco environment experienced some notable headwinds particularly in the tourism

(mostly related to Thai Financial Reporting Standard No. 16 (TFRS 16). Other notable cash flow changes were (1) Trade and other Current Payables which increased by THB 80.7 Mn (2) Accrued Expenses which