tangible assets (NTA) 431.06 Net profit during the past 12 months 33.13 Financial information of Fung Keong Rubber Manufactory (Malaya) Sdn. Bhd. (“FKRMM”) after conducted due diligence Reviewed by KPMG

Manufactory (Malaya) Sdn. Bhd. (“FKRMM”) after conducted due diligence Reviewed by KPMG Details FKRMM’s consolidated financial statement (Reviewed by KPMG) (For the 12-month ended January 31,2017) FKRMM’s

, who conducted the due diligence on the information appearing in the audited financial statements of S-TREK ended 31 December 2017 and the trial balance of S-TREK, prepared by the management of S-TREK

Office of the SEC, who conducted the due diligence on the information appearing in the audited financial statements of S-TREK ended 31 December 2017 and the trial balance of S-TREK, prepared by the

at arms’ length) being applied to those transactions conducted with unconnected outside business parties or persons. The necessity and rationale for entering into transactions with parties with

assumption that the Bank will acquire 100% stake in Permata (both under the CSPA and through the mandatory tender offer to be conducted thereafter), using the value of net tangible asset criterion, which gives

for any potential impacts on our loan level, deposits and liquidity, both short- and long-term, to ensure that we adopt appropriate fund-raising strategies. 2.4 Operational Risk KBank has conducted

delivery business - Continued to manage asset rationalization to increase cash liquidity in order to support current and long-term situation - Conducted prudent risk management • Raised customer and employee

conducting financial transactions at branches with relatively heavy traffic. We also conducted lifestyle activities catering to each individual customer.  Middle Income KBank debuted THE PREMIER ADVISORY to

risk management. 4. There should be an establishment of a compliance unit to supervise and monitor the operation that is independent from the management and other units. 5. Operation conducted with