Suppression Division. SEC Act S.90 Criminal Complaint Filed with an Inquiry Official Dated 28/01/2021

Chapter 7. 10 Chapter 4 Application for Approval and Granting of Approval Division 1 Application for Approval Clause 15 The submission of an application for obtaining approval to be personnel in the capital

Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk Management 7 2.3 Liquidity Risk Management 8 2.4 Cyber Risk Management 8 3. Business Directions and Operations of Core Businesses 9

ratio in this quarter stood at 49.31 percent. KBank also set aside a higher expected credit loss of Baht 3,047 million compared to the preceding quarter, with prudent consideration of factors in line with

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 5 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development

Business Operations 2 2. Risk Management and Risk Factors 4 2.1 Credit Risk Management 4 2.2 Market Risk Management 4 2.3 Liquidity Risk Management 5 3. Business Directions and Operations of Core Businesses

within the set target. In this quarter, our credit cost stood at 1.58 percent, lower than 1.81 percent in the previous quarter and 1.72 percent in the same period of last year. At the same time, our

Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 2.4 Cyber Risk Management 6

may have potential conflicts,” “management,” “major shareholder,” “person who has power of control,” “related party,” “credit rating,” “electronic information,” and “consolidated financial statements