: Adopting modern world-class technology to make KBank the top regional financial service provider 3.3 Customer Segments and Services KBank continues to gear up for being a Regional Digital Bank. To this end

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...

to partial ownership in them. However, Asian Roundtable participants report 7 that many companies are still content to do only what is legally required and not to extend themselves in adopting good