Project: The construction in progress of MahaSamutr Villas are 95% completed. In Q3 2018, there is no transfer of ownership of MahaSamutr Villa. The Company expects to be able to sell and transfer the

our good corporate governance practices included:  Organizing training and evaluation of employees’ knowledge of compliance with the Code of Conduct and Anti-Corruption Policy via the KBank e-Learning

for them on these issues  Holding a lecture on Governance, Risk Management and Compliance (GRC) for executives  Organizing training and evaluation of employees’ knowledge of compliance with the Code

General Meeting of Shareholders  Organizing training and evaluation of employees’ knowledge of compliance with the Code of Conduct and Anti-Corruption Policy via the KBank e-Learning system  Holding a

% Membership 0.63 0.43 0.21 48.25 1.26 0.81 0.46 56.28 Training 0.03 0.32 (0.28) (89.84) 0.32 0.37 (0.04) (11.68) Interest received 0.18 0.20 (0.01) (7.00) 0.37 0.38 (0.02) (4.30) Space rental and services 0.53

Change between YoY For the 9 months Change between YoY Q3/19 Q3/18 Amoun % Sep. 30, 2019 Sep. 30, 2018 Amoun % Membership 0.54 0.51 0.03 5.60 1.80 1.32 0.48 36.75 Training 0.32 0.26 0.06 23.77 0.64 0.63

IFRS Club and the Thai Bankers’ Association. For our internal management, we have expedited development and improvement of database and the design of work system and IT structure in 7 order to

: 1Including the building under construction as of 30 September 2019 totaling of 4 buildings 12 units 1.4.2 Undertaking Transaction The Company and PD will enter into Undertaking Transaction between the Company

, market, liquidity, operational, digital and strategic risks. KBank’s risk management structure clearly determines duties and responsibilities of relevant units, including an independent risk management

Machine automation, Industrial motion system, Smart sensor system and Lighting automation for building. Sales revenue structure by BU/BG In 2017, consolidated sales revenues were slightly increased, 5.1