particularly in high-value segments through superior network and offerings. Despite heightened price competition, we place our focus on enhancing network quality, and customer engagement via customer value

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supervise and ensure fair treatment for retail and SME customers will pose a heightened challenge to banking performance. To cope with these issues, commercial banks may have to fine-tune their strategies

existence of the ‘value gap’ has heightened the importance of environmental, social and governance (ESG) analysis and analysis of other intangible value-drivers, and their incorporation into investment

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. Worse, Brexit risks became heightened in the wake of political change in the United Kingdom. The World Economic Outlook of the International Monetary Fund cut its 2019 global economic growth projection to

. Still, funds continued to flow into Thailand as investors sought shelter in safe-haven assets amid heightened global risks. Moreover, they saw brighter prospects in Thai bonds following the policy rate

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership

Heightened Engagement? ....................................................... 37 Top US Legal Considerations Regarding Shareholder and Issuer Engagements ........................................... 38