&A 4 Strategic Investments IVL continued in its earnings accreting growth journey through several acquisitions and organic imperatives with an overall capital investment of $2.26 billion in 2018 which

relevant supervisory agencies. KBank has improved strategic imperatives by embedding in select financially relevant ecosystems, lending successfully using data analytics and ensuring cyber security and data

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...