increased degree of uncertainty in global economies and trade policies, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Acting upon our strategy of strengthening

-changing consumer behavior. Given the increased degree of uncertainty in global economies and politics, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Within this

diverging monetary policies, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Given the changing customer behavior amid new technologies, regulatory changes and

, especially global economic fluctuations and unresolved political issues. Businesses have also had to contend with new regulations and government projects. All of these factors affected the performance of KBank

(AEC) and the digital age, along with external changes, especially global economic fluctuations, as well as volatility in the Baht and interest rates. Businesses have had to contend with impacts of

sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition

businesses. However, the company has assessed the situation and prepared operational guidelines to contend with the COVID-19 outbreak as follow: Safety Measures The company group has its Business Continuity

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, buoyed by strong recoveries in tourism and exports. This growth momentum is expected to carry on into 2018, especially amid a brighter outlook in public and private investment. Nonetheless, the business sector remained challenged by new modes of competition in a broader marketplace amid the advancing digi...