due to temporary closure of 11 branches since March 22, 2020 in order to comply with regulation issued under The Emergency Decree on Public Administration in Emergency Situations. Performance Analysis

) with additional conditions with Siemens in order to enhance the performance of Siemens gas turbine on the following perspectives which commenced by ABP3 at the end of 2018 and target to commence with

added to the health and safety team in order to ensure improvements are swift. Business wise 2019 has started well despite challenges in the macro economy and some of the key market segments along with

the vision of the management in order to assist investors to better understand the company's financial status and operation. It also supports the "Good Corporate Governance Project" of the Securities

to disclose information and the vision of the management in order to assist investors to better understand the company's financial status and operation. It also supports the "Good Corporate Governance

made to disclose information and the vision of the management in order to assist investors to better understand the company's financial status and operation. It also supports the "Good Corporate

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

Thai) : Title First Name Last name First name / Last name (in English) : Title First Name Last name Former First name / Last name (if any) (in Thai) Title First Name Last name Date of Change Former First

demand.Private consumption plummeted due to increasing unemployment, lower household income and higher household debt. Some business sectors have delayed investments in order to maintain some liquidity, and this

recorded in order to more accurately reflect the value of financial assets. -3- Summary of Operation for Q4-2022 Outstanding by Quarter Change Topic Q4 – 22 Q3 – 22 Q4 – 21 Q4 – 22 VS Q3 – 22 Q4 – 22 VS Q4