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

E_1 Legal_FA_2015_12_29-c A FFeeCCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended September 30, 2017 The Thai economy maintained steady growth in the

E_1 Legal_FA_2015_12_29-c A WWCCoorrppLL44..11hhiigg A Executive Summary 1 Management Discussion and Analysis For the Year Ended December 31, 2017 In 2017, Thai economic growth gained traction

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

service points of 14 Big C outlets instantly get 500 Big Card points. To elevate customer service experience in sync with their needs, we have streamlined processes in providing branch services and via

store chain as our banking agent to accept deposits for KBank accounts. Currently the service is available at all 7-Eleven outlets, in addition to Big C Supercenter and FamilyMart. At the same time, we

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained

E_1 Legal_FA_2015_12_29-c A HibrWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2018 The Thai economy in the third quarter of 2018 grew at a

services dedicated to retail clients. Along with this, KBank Service was expanded to Kerry Express service points of Kerry Express (Thailand) Public Company Limited and Mini Big C locations to allow

install a self-ordering kiosk for accepting credit card payment at KFC’s Samyan Mitrtown branch, for the first time. We also worked with Big C Foodplace, Samyan Mitrtown branch, to install an electronic