. We continue to emphasize predictive risk controls via the supervision of the Risk Oversight Committee, Assets and Liabilities Management Sub-committee and Enterprise Risk Management Division. We are

Management Regarded as an integral part of our organizational culture, KBank has established risk management policy, together with risk appetite and risk management guidelines at the Board and Senior

Managing Director of ACS Capital 3 Ms. Kannika Kursirikul is the Non-Executive Director of AEONTS and ACS Capital 4 Mr. Kazumasa Oshima is the Senior Executive Vice President of AEONTS and the Non- Executive

AEONTS and ACS Capital 3Mr. Kazumasa Oshima is the Senior Executive Vice President of AEONTS and the Director of ACS Capital 4Mr. Junichi Iwakami is the Senior Executive Vice President of AEONTS and the

, Head of Sustainable Investment – Fixed Income and Senior Portfolio Manager at Nomura Asset Management, who shared his perspectives on promoting transition investment. Also participating in the exchange

discussion on “From ESG to SDGs: Why It Matters” by senior executives and experts from various sectors, namely (1) Dr. Wanchat Suwankitti, Senior Advisor in Policy and Plan of the Office of the National

during 1 April 2016 - 4 May 2016. In so doing, (6) Mrs. Supritha Pai Kasturi, Senior Manager of PTL Finance and Accounting Department, helped to execute the PTL purchase orders before the inside

. IDENTITY OF DIRECTORS, SENIOR MANAGEMENT 1 AND ADVISERS II. DESCRIPTION OF MTN Program 1 III. RISK FACTORS 2 IV. MARKETS 2 V. TAXATION 2 VI. SELECTED FINANCIAL INFORMATION 3 VII. INFORMATION ABOUT THE ISSUER

CONTENTS Page I. IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS .......................... 5 II. DESCRIPTION OF MTN Program

are clearly defined in conformity with the good internal control principle. We also emphasize thorough, accurate and regular disclosures on risk, capital and liquidity management to the public. 3