big data, and through linkage of all service channels including digital channels, physical and electronic branches as well as services outside of branches. In this quarter, KBank opened the Central

all areas. Meanwhile, we took into account the appropriate management of foreign exchange booths, especially in viable areas. While we closed some of them at certain sites, more booths were opened in

operating results from GLOW, together with the investment projects and projects that have been opened for commercial operation in 2019. The company is ready to move forward with the new organizational

Inthanin coffee shop. The coffee shops has been opened both within and outside the vicinity of Bangchak service stations, in order to broaden its customer base and able to better reach consumers, examples of

branch format to offer loan products and advisory services on personal loan to retail customers. We also opened new hybrid branches, bringing the total number of KBank branches in this format to seven in

therefore opened in airports and at major tourist attractions. KBank also initiated a promotional campaign to promote the use of K-Credit Card for purchase of foreign currencies, and payment can be made under

participation has opened up invaluable opportunities for the SEC to keep abreast of the developments in international financial reporting standards and to prepare the stakeholders accordingly. Our staff are also

their securities holding as well as any transactions that are not required to be done via opened accounts for themselves, families and other persons relevant to the CMSB members and their families. The

partners. At the same time, KBank continued to consolidate branches to reduce redundancy, especially those with relatively low traffic. In this quarter, KBank opened new hybrid branches, bringing the total

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...