offence related to property committed with dishonest intent; (3) having been a director, a manager or a person with power of management of a financial institution which had its license revoked, unless an
learning and/or research and development centres • Training programmes in favour of vulnerable groups Supporting MSMEs for the creation and preservation of viable jobs Projects facilitating access to credit
base and to reduce impact of high competition from lower population under educational age. In 2Q19, EBITDA from education business was negative by THB 12 million, a decrease of 9.1% yoy, due to decrease
base and to reduce impact of high competition from lower population under educational age. In 2Q19, EBITDA from education business was negative by THB 12 million, a decrease of 9.1% yoy, due to decrease
our status as a leading financial institution which can efficiently cope with potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of
retained its leadership in the bancassurance business, holding the third-largest market share in total premiums. To secure our status as a leading financial institution which can efficiently cope with
letter of credit issued by a foreign financial institution as collateral. KBank has put in place operational procedures to accommodate these new regulations along with preparation for other relaxations by
CONGLOMERATE, to ensure common understanding and practices • Organizing training and evaluation of employees’ knowledge of compliance with the Code of Conduct and Anti-Corruption Policy via the KBank e-Learning
language teaching school under the name “Chinese Language and Cultural School”. In addition, KPN Academy is a shareholder in other subsidiaries which are Innovative Learning and Design (Thailand) Co., Ltd
institution, enabling us to cope with possible economic fluctuations in a timely manner. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in 2017 and