Persons (Private Placement) 4. Information Memorandum on the Issuance and the Allocation of the newly issued Shares to Accommodate the Right Adjustment of the Warrant to Purchase the newly issued Shares of

(“IFA”) who is approved by SEC and express an opinion on the transaction. Resolution of the Board of Directors’ Meeting No. 5/2017 (Amended No.3) The Stock Exchange of Thailand Information Memorandum on

แบบแสดงรายการข้อมูลการเสนอขายหลักทรัพย์ (UNOFFICIAL TRANSLATION) Readers should be aware that only the original Thai text has legal force, and that this English translation is strictly for reference. 2 Registration Statement for Securities Offering (Form 69-1) Company: .......... (Name of Securities Offeror) ….....… Offers for Sale ....................................................................................................................................................... .................

Deferred Revenue Item Deferred Revenue Item = Deferred revenue from assets monetization to WHABT in 2015 which recognized in the first quarter of 2019 as a result of accounting standard adjustment (TFRS 15

categories, i.e., dining, traveling and shopping, across all areas throughout Thailand, including spending in foreign currencies and online shopping. For K-Express Cash, we focused on helping our customers

. Without proper and timely adjustment, competitiveness and debt servicing ability of the business sector may be jeopardized, which would eventually affect KBank’s asset quality. 1.3 Significant Regulations

value adjustment of investment due to reclassification in the amount of Baht 2,030 Million, net of corporate income tax. 4. On September 21, 2018, the Supreme Administrative Court rendered the judgement

Administrative Expenses from accounting adjustment of doubtful debt amounted of Baht 22.5 million in 1Q2018. However, Finance Costs decreased from Baht 93.7 million in 1Q2018 to Baht 76.9 million in 1Q2019

value of Baht 522.24 million that has been already implemented with work progress equivalent to 8.28%. In addition, in this quarter, there has been the additional adjustment to the estimated construction

(Hereinafter called “The Company”) still has carried adjustment of the business strategy to focus on the large project since last year and we got purchase order from big industry in this year in an amounting of