voting shares of the company. 7 X. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS A. Major Shareholders 1. Disclose whether an issuer is directly or indirectly controlled by another entity or natural

9.90 million, respectively. The Company had a profit from its normal operation during the first 6-month period of 2020 because the Company controlled its expenses better than in the first 6-month period

% QoQ. The decrease was mainly due to selling and marketing expenses, personnel expenses, and rental in term of TFRS 16. Moreover, the Company efficiently controlled and managed expenses of existing

utilities. The Company efficiently controlled and managed expenses of existing outlets indicated in decreasing such expenses by 4% YoY in spite of higher marketing expenses to build brand awareness. Selling

from derivatives for clients; “member of fund investment committee” means a member of a committee which is appointed or assigned by a fund management company to consider and determine the scope of

services are managed efficiently, aligned with customers’ need and controlled with acceptable risk level.  Establishment of Third-Party Risk Management Policy and Framework which cover risk assessment

monitored and controlled to prevent over-exposures in particular sectors, taking into account trend of industry growth and capital impact.  Credit Underwriting and Approval KBank has formulated lending

digital services and platforms to both consumers and enterprise. Continue growing core revenue with controlled marketing expenses In 1Q18, AIS reported service revenue of Bt34,565mn, +6.5% YoY and +2.5% QoQ

improved following on-going cost optimization and FY17 guidance maintained. AIS reported 3Q17 EBITDA of Bt17,589mn, +15% YoY and +2.8% QoQ, mainly due to revenue growth and controlled SG&A. YTD, AIS spent

enable assignment of assess rights; (b) the allocation and use of privileged access rights should be restricted and controlled; (c) the allocation of passwords should be controlled through a formal