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

sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition

other business operator) will not operate the same business and having the competition between the CPOA for trading business for biodiesel and edible oil of the Company including shall not conduct any

1 August 17, 2018 Subject: Capital Increase for Offering for Sale to Specific Investors (Private Placement), Connected Transaction, Amendments to Articles of Association/Objectives of the Company and Determination of the Date of Extraordinary General Meeting of Shareholders No. 1/2018 To: President The Stock Exchange of Thailand Enclosures: 1. Information Memorandum on the Offering of Newly Issued Ordinary Shares to Specific Investors (Private Placement) at the Offering Price with a Discount of...

, disclose the expenses spent on such research and development during the past three years. In case of none, specify so and explain the reason thereof as well. (2) Marketing and competition (a) Describe the

during the past three years. In case of none, specify so and explain the reason thereof as well. (2) Marketing and competition (a) Describe the marketing policies of the major products or services during

large corporates continued to expand but by less than expected due to greater competition. Demand for loans from the consumer sector increased from housing and auto-leasing, while credit card and other

previous year. The profitability of methyl ester was pressured by stiffen competition with increasing supply in Thailand. Additionally, the declining of palm oil price and the falling global glycerine price

consuming in limit quantity. The situation of competition had even more intensity, day by day, and it had the competitors occurred in the market continuously. Although the Company had the promotion activities

below-the-expectation sales in other product categories due to the strong competition and becoming another stable sources of revenue in the future. - Translation - Page 6 of 11 Gross profits margin by