Malee Group Public Company Limited and Its Subsidiaries Management Discussion and Analysis For the year ended 31 December 2019 1. Year 2019 Highlights Figure 1: Quarterly results  In Q4/2019, the

commitment to developing efficiency in all our core service channels for enhanced cost effectiveness, in order to raise our capacity to reach our customers and deliver them excellent service. (1) Branch

excellent service. (1) Branch Network: Key initiatives for branch network management in the second quarter of 2017 included: - Domestic branch network: Our focus was on the enhancement of service efficiency

cost effectiveness, in order to raise our capacity to reach our customers and deliver them excellent service. (1) Branch Network: Key initiatives for branch network management in the third quarter of

in all our core service channels, in order to raise our capacity to reach our customers and deliver them excellent service. (1) Branch Network: Key initiatives for branch network management in the

all our core service channels, in order to raise our capacity to reach our customers and deliver them excellent service. (1) Branch Network: Key initiatives for branch network management in the first

an excellent customer experience. We have collaborated with our partners, cross-industry and cross-border, to create ecosystem partnerships under the “KASIKORNBANK and Beyond” concept. All of these

channels, in order to raise our capacity to reach our customers and deliver them excellent service. (1) Branch Network: Key initiatives for branch network management included: - Domestic branch network: Our

capacity to reach our customers and deliver them excellent service. (1) Branch Network: Key initiatives for branch network management in the third quarter of 2017 included: - Domestic branch network: Our

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