-to-person transmission of the virus. The Group has strictly adhered to government measures, especially social distancing and curfew during period of 3rd April until 14th June 2020. However, due to the

institution, allowing us to cope with possible economic fluctuations in a timely manner. Having adhered to our business strategies in the second quarter of 2018, KBank and subsidiaries thus reported Baht 10,917

. on March 8, 2020. 17 - International Branch Network: We have adhered to our strategy of becoming a “Regional Digital Bank” through the Three-Track Regional Digital Expansion. In detail: 1) Conventional

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...