inventory management. Another notable effort in this quarter included “K SME Good to Great”, organized specifically for auto parts manufacturers, hardware and plastics businesses. The event featured a

E_1 Legal_FA_2015_12_29-c A WCorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2018 In 2018, the overall Thai economy maintained its growth due largely to healthier growth of exports and tourism, especially in the first half of the year. Meanwhile, the government continued to implement measures to promote and strengthen the domestic economy through support of investment and private spending as well as bolstering opportunities for other econo...

provide smart personalized “Financial and Life Solutions” to the right customer at the right time. We continue our endeavor to deliver an excellent customer experience with ever-greater consideration of

endeavor is intended to extend our service capabilities beyond the banking realm. In this quarter, we placed greater importance on system management beyond just financial service provision, especially with

phone. One notable endeavor was development of a Social Payment feature on the K PLUS SHOP application, which enables payment via QR code and automatically sends a payment status alert to merchants, while

check their credit exposure online 24 hours a day, 7 days a week, as well as our collaborative effort with a leading university to develop an application to assist in management of study disciplines and

to endeavor to create value for our shareholders. ………………………………………………. Tamonwan Narintavanich (Chief Financial Officer)

CONDUCT FUNDAMENTALS FOR CREDIT RATING AGENCIES As described in the IOSCO CRA Principles, CRAs should endeavor to issue credit ratings that help reduce the asymmetry of information that exists between rated

inherent credit risk. rated obligation. THE IOSCO CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING AGENCIES As described in the IOSCO CRA Principles, CRAs should endeavor to issue credit ratings that help

in Treasury Management Transformation from CFO Innovation Magazine, Singapore. The awards reflect the company’s endeavor in adopting new technology to improve efficiency that has been recognized