Actions wide-ranging potential impact, in particular, security and system stability risks. Moreover, KBank can, if necessary, terminate services provided by certain partners to our customers. 2. Potential

return shall not be relied on any other underlying; (b) structured notes are considered as convertible bonds which have the following characteristic: 6 1. to specific the return, prior to exercising the

regulations of government agencies and specific regulatory authorities. The new criteria, coming into effect June 6, 2017, contain the following key points. - Expand the scope of operations for financial and

human rights operations. Guidelines to mitigate risks that may be incurred from human rights violations include review of sector-specific credit policy, review of criteria for consideration of suppliers

generally corresponding to the following, except that the specific line items presented should be expressed in the same manner as the corresponding line items in the issuer's financial statements. Such data

financial ratios. In the case of the Company in an industry with specific ratios such as an average occupancy ratio (in case of hotel business), such ratios must be presented additionally. Information Quarter

recovering consistently since the beginning of 2018, reporting 4.0% growth in 20181. Once again, Out-of-Home (OOH) and online advertising, in particular reported rigorous growth of 23.0% and 21.0

47.7% in 2019 due to (1) the cost of food and beverages of new brands, in particular Khiang, requiring promotional discounts to increase traffic and create brand awareness during the initial opening

%) 5,757 5,117 (11.1%) Note (1) Based on the weighted average number of keys for the year. In particular, the Company added 19 newly built pool villas to Santiburi Koh Samui in May 2018, thereby increasing

% going forward and the ratio should gradually decline as a result of cost synergies in through restructuring, in particular in digital operations. In light of tangible improvement in gross profit, VGI