Securities and Exchange Commission 3 Appendix Definitions “IT assets” means (1) system assets, i.e., computer network, system software, application software, and information systems; (2) equipment assets, i.e

Securities and Exchange Commission Appendix Definitions “ IT assets ” means (1) system assets, i.e., computer network, system software, application software, and information systems; (2) equipment assets, i.e

can cope with potential economic uncertainties in a timely and efficient manner, KBank emphasizes big data analytics for predictive integrated risk management (IRM) through the establishment of

on effective, timely and predictive integrated risk management (IRM), improved customer service, internal operation efficiency, and maximized resource utilization. We remain committed to efficient

Jan-Dec 2019 Million Baht % Million Baht % 1. HR Solutions 1.1 Human Resources and Payroll Outsourcing services 237.36 45.4% 257.09 41.9% 1.2 Income from software and human resources system 159.63 30.5

Million Baht % Million Baht % 1. HR solutions 1.1 Human Resources and Payroll Outsourcing services 60.16 45.8% 64.97 49.0% 1.2 Income from software and human resources system 45.58 34.6% 43.62 32.9

Jan-Mar 2020 Million Baht % Million Baht % 1. HR Solutions 1.1 Human Resources and Payroll Outsourcing services 64.97 49.0% 68.92 38.5% 1.2 Income from software and human resources system 43.62 32.9

Software Licensing Agreement between ASB Cambodia with ACSM in total amount of 737,226 baht or 0.01% of NTA of the Company. - Board of Director’s meeting No. 2/2018 held on February 6, 2018, approved to

team of developing the new software. Besides, it also increased from the relocation costs during the end of the year. 73.21% 73.99% 67.82% 71.76% 10.49% 11.34% 17.82% 20.28% 13.55% 9.90% 6.78% 4.03% 2.74

, software, and man-day in services - Training fees : Fees depending on the expenses incurred during each training course - Design and renovation fees : Remuneration based on the nature, difficulty level for