on retirement income. We present a concept that we call “Gamma” designed to quantify the additional value that can be achieved by an individual investor from making more intelligent financial planning

. KEY BUSINESS AND STRATEGIC UPDATES 1) ADVERTISING – LAYING A STRONG FOUNDATION FOR GROWTH BY MAKING STRATEGIC PARTNERSHIPS AND CREATING INNOVATIVE PRODUCTS  VGI GLOBAL MEDIA PLC   INTELLIGENT DIGITAL

ratio in this quarter stood at 49.31 percent. KBank also set aside a higher expected credit loss of Baht 3,047 million compared to the preceding quarter, with prudent consideration of factors in line with

PowerPoint Presentation ©2015 Morningstar, Inc. All rights reserved. Kittikun Tanaratpattanakit Senior Research Analyst Morningstar Research (Thailand) Ltd. Intelligent Financial Planning Decisions 2

, “Management Report”. B prudent consideration on factors in line with uncertainties stemming from the continued economic slowdown. At the end of 2019, our robust capital position was sufficient to cushion

. Fama and French, 1993) Motivation Explaining Value Data Results Conclusions Conclusions • “Price is what you pay, value is what you get” – Warren E. Buffett • “Margin of safety” – The Intelligent

the end of 2019  Managing the total usage amount through Boonterm kiosk to more than 10%, compared to 2018  Developing the intelligent kiosk for selling sim card and Electronic Know Your Customer

at the end of 2018  Managing the total usage amount through Boonterm kiosk to more than 10%, compared to 2017  Developing the intelligent kiosk for more capacities to support new business  Expanding

at the end of 2018  Managing the total usage amount through Boonterm kiosk to more than 20%, compared to 2017  Developing the intelligent kiosk for more capacities to support new business  Expanding

Investment & Insurance Penetrate Regional Market To Empower Every Customer’s Life and Business 8 TRANSFORMATION JOURNEYS 1. Ecosystem Partnership & Harmonized Channel 2. Intelligent Lending 3. Proactive Risk