: BBH: BBP Holding Co., Ltd. BBF: Bangchak Biofuel. Co., Ltd. UBE: Ubon Bio Ethanol Co., Ltd. BBE: Bangchak Bioethanol (Chachoengsao) Co., Ltd. Also, as of 19th July 2017, the board of directors has

lecture on Governance, Risk Management and Compliance (GRC) for executives  Communicating the Anti-Corruption Policy and prohibition of insider trading to directors and employees via KBank internal

period for exemption of default interest payment. Details of outstanding loan amount including principal, interest, default interest and fee must be provided to borrowers. (3) ATM or debit card fee: Annual

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 third quarter of 2017, buoyed largely by tourism and exports. Nonetheless, the economic recovery was not broad-based, as evidenced by sluggish private consumption. While certain businesses were still fragile, others remained mired in uncertainty in terms of new modes of competition, a broader market...

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2019 In the first quarter of 2019, the Thai economy continued to 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, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has e...

Baht Item Quarter Change (%) Year Change 4/2018 3/2018 4/2017 3/2018 4/2017 2018 2017 (%) Personnel expenses 9,111 6,529 6,602 39.5% 38.0% 28,774 25,541 12.7% Directors’ remuneration 53 21 46 152.4% 15.2

technology expenses. Million Baht Item Quarter Change (%) Year Change 4/2019 3/2019 4/2018 3/2019 4/2018 2019 2018 (%) Personnel expenses 6,817 6,670 9,111 2.2% (25.2)% 26,726 28,774 (7.1)% Directors

/2016 3/2017 4/2016 2017 2016 (%) Personnel expenses 6,602 6,446 6,157 2.4% 7.2% 25,541 25,247 1.2% Directors’ remuneration 46 22 43 109.1% 7.0% 148 125 18.4% Premises and equipment expenses 2,736 2,409

% Directors’ remuneration 33 56 34 (41.1)% (2.9)% Premises and equipment expenses 2,296 3,463 2,738 (33.7)% (16.1)% Taxes and duties 781 856 816 (8.8)% (4.3)% Other expenses 1,431 4,796 2,050 (70.2)% (30.2

Grand Canal Land Public Company Limited or “GLAND” with details to the transactions as follow • On September 12, 2018, CPN Pattaya Co., Ltd., (“CPN Pattaya”), a wholly owned subsidiary of CPN, acquired