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...

to work towards appropriate management of foreign exchange booths in viable areas. Along with this, our automated currency exchange machines are available 24 hours a day. Meanwhile, KBank launched the

branches with relatively low traffic and service channel expansion at viable locations. Meanwhile, we took into account the appropriate consolidation of forex booths in certain areas while also adjusting

branches now available is therefore sufficient to meet demands of customers covering all areas. Meanwhile, we took into account the appropriate consolidation of forex booths in certain areas while also

foreign exchange booths, especially in viable areas, in particular those located in airports and at major tourist attractions. To remain competitive, we revised foreign exchange buying and selling rates. In

continued to consolidate branches to reduce redundancy, especially those with relatively low traffic. Meanwhile, we took into account the appropriate management of foreign exchange booths, especially in

; as well as having exhibition booths at various exposition events.As for the SPAR convenience store, the brand established more varied sales promotion campaigns e.g. SPAR Aroi-Tua-Thai which brings

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...

, increasing 102.9% YoY  The total number of “Boonterm” was 130,109 kiosks, increasing 9.2% YoY 3Q18 Operational Summary  Total revenue from core business was Bt832mn, increasing 5.6% YoY  Net profit was