-month period ended September 30, 2018 To The President The Stock Exchange of Thailand Management Discussion and Analysis Consolidated Financial Statements For the nine-month period ended September 30

Additional Provisions for Establishment and Management of Mutual Funds under the Mutual Recognition of Funds between Hong Kong Special Administrative Region of the People?s Republic of China and

February 18, 2020 Re: Management Discussion and Analysis for full year 2019 To: Director and Manager of the Stock Exchange of Thailand Revenue from sales and rendering of services L&E’s consolidated

Baht 0.50 per share, amo unting to Baht 790,150,400 or approximately 37% of the net profit of consolidated financial statements whereby the dividend shall be paid fr om Unappropriated Retained Earning

, which has seized and frozen assets with a total value exceeding THB 20 billion. The CIB stands ready to continuously advance this form of cooperation with all relevant agencies to ensure unified and

amendments will establish a unified standard for prohibited characteristics and for the assessment of the severity of conduct of major shareholders across all types of business operators. Transitional

The meeting agreed to resume discussion to develop mutual recognition framework to facilitate cross-border mutual fund offerings. The discussion was initiated in 2004 before later being halted.  To

potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of comprehensive risk management principles and policies, a risk-aware culture Bank

business targets as we gained wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in 2017. Under our redefined strategies for the next three years, KBank

our status as a leading financial institution which can efficiently cope with potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of