CONGLOMERATE, to ensure common understanding and practices • Organizing training and evaluation of employees’ knowledge of compliance with the Code of Conduct and Anti-Corruption Policy via the KBank e-Learning

for them on these issues  Holding a lecture on Governance, Risk Management and Compliance (GRC) for executives  Organizing training and evaluation of employees’ knowledge of compliance with the Code

for their annual acknowledgement. Training and evaluation of employees’ knowledge of compliance with the Code of Conduct and Anti-Corruption Policy were also undertaken via the KBank e-Learning system

General Meeting of Shareholders  Organizing training and evaluation of employees’ knowledge of compliance with the Code of Conduct and Anti-Corruption Policy via the KBank e-Learning system  Holding a

regulations for new directors, a lecture on Governance, Risk Management and Compliance (GRC) for executives, training and evaluation of employees’ knowledge of compliance with the Code of Conduct and Anti

Company has planed to generate more fee base incomes in the future. • Expenses The Company’s expenses mainly consist of operating and administrative expenses, bad debt and doubtful accounts, and finance

and administrative expenses, bad debt and doubtful accounts, and finance cost. In the fiscal year ended February 28, 2019, the Company had total consolidated expenses of 16,213 million baht, increased

expenses, bad debt and doubtful accounts and finance cost. In the first quarter of 2019, the Company had total consolidated expenses of 4,221 million baht, an increase of 375 million baht or 10% y-y. Details

115.59 170.45 (54.86) -32% Gross profit margin 9.37% 15.33% Other income 1.12 4.77 (3.64) -76% Selling expenses 2.97 2.66 0.31 12% Administrative expenses 86.79 80.76 6.03 7% Allowance for doubtful

: Total amount of 12,000,000 Baht (800,000 Baht per Rai) 5.3 Evaluation criteria of transaction : Based on the conditions for arm’s length transaction and negotiation between parties. Reference prices is