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 largely to healthier growth of exports and tourism, especially in the first half of the year. Meanwhile, the government continued to implement measures to promote and strengthen the domestic economy through support of investment and private spending as well as bolstering opportunities for other econo...

) remuneration and punishment which is based primarily on service quality; (4) complete, clear and accurate sales process which must not mislead or be a nuisance to customers; (5) effective employee communications

by employees in case of change in an employer; (2) Employees are entitled to leave for necessary business for no less than three working days per year; (3) A pregnant female employee is entitled to

been embraced and applied to match students’ lifestyles. Notable endeavors include the launch of an application for enhanced learning efficiency and support of cashless transactions among on-campus shops

mainly to employee expenses and repair and maintenance of premises and equipment expenses, whereas marketing expenses fell. As a result, our cost- to-income ratio stood at 42.70 percent, which was still

term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of Core Businesses 3.1 Sustainable Development and Corporate Governance Notable progress of KBank’s

of debentures. Another notable initiative was development of the CBH PLUS application of Chon Buri Hospital, which links to the database of the National Health Security Office (NHSO) to allow patients

Thaicredit Retail Bank Public Company Limited On 1 March, 2017 Thaicredit Retail Bank Public Company Limited (“TCR”) offer for sale newly issued securities in the category of warrant (Employee Stock

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...

operating cost and asset quality management, along with better information and IT systems through appropriate structures and tools, as well as human resource management that focuses on employee development