introduction of products and services based on big data analytics with the aim of becoming Customers’ Main Bank in this segment and increasing this customer group’s share of wallet devoted to KBank. Along with

this customer group’s share of wallet devoted to KBank. We prioritized expansion of new potential customers who reside in strategic provinces across the country through the introduction of products and

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...