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

. Given the intensified global trade tension, the October 2018 World Economic Outlook of the International Monetary Fund cut its global economic projection for 2018 and 2019 to 3.7 percent, compared to the

intensified competitive environments in the near future. FAP therefore keeps pace with changes of international professional standards, including the International Financial Reporting Standards (IFRSs), the

next decade, such as volatility of capital flows, direction of the new rules and standards in connection with extraterritorial issues, world financial and economic connectivity with more intensified

recklessly. In this well-connected era, consumerism has rapidly intensified and spread widely through various perceptive channels especially the mass media. Ignorance is another essential cause of improper

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

time to be overcome. Moreover, several other challenges still lie ahead. These include intensified competition between banks and non-bank players amid the fast-changing technology, the National e-Payment

selling price escalated in tandem with upward CPO price compared to prior year. In 2Q2020, the Company had total sales revenue of THB 3,931 million, rose by THB 641 million or 19% compared to 2Q2019, even

Yai, Chachoengsao, Rayong and Diana Hat Yai Branch. Industry Overview Thailand’s overall economy expanded at a slower pace than expected in 2Q19 due to external demand. The escalated trade tension

campaign boosting customer’s spending. In addition, price competition has heightened, underpinned by the low fixed-speed unlimited plans which limit the ARPU growth. For 5G service, our 5G network continued