of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the

’ Life Platform of Choice”, we have upgraded our capability in data compilation and analytics, allowing us to understand and anticipate each individual customer’s needs under the “Segment of One” while

Budget Act and drought. Furthermore, domestic spending may be limited due to weakening purchasing power and hefty household debt. Apart from economic woes, businesses face numerous other challenges that

, in terms of corporate governance, almost unrecognisable from the Asia of 1997. The 1997 Asian financial crisis led many Asian countries to reform key financial and corporate institu- tions. One key

’ confidence and derail several countries’ economic recoveries over the medium term. Regarding monetary policy direction of central banks worldwide, the US Federal Reserve may gradually raise its policy rate

of 3,600 tons per annum and having numerous industrial and non-industrial applications used by global leading brands. This acquisition will further enhance the HVA portfolio of IVL. The value of the

reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2017 1 1.2 Banking

recession due to the COVID-19 pandemic. Economic activity was crippled almost across the board in light of lockdown measures implemented in several countries to contain the viral transmission. Financial

governance, allowed KBank and K Companies to meet business targets, gaining wide acceptance and marks of recognition at home and abroad, as reflected in the numerous awards we received in this quarter. B

numerous of other countries. Therefore, our 2020 Quarter 4’s total revenues surpassed our 2019’s total revenue of the same quarter as the figures are Baht 535.69 million and Baht 534.40 million respectively