year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

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

). Please be informed accordingly, Sincerely yours Apinya Jarutrakulchai (Ms. Apinya Jarutrakulchai) Senior Executive Vice President Finance and Accounting Department Tel : 0-2677-7000 Fax : 0-2677-7011-2

year. This was due to the higher earnings before tax. Please be informed accordingly. Sincerely yours, (Ms. Wannee Juntamongkol) Senior Vice President – Accounting and Finance

Please be informed accordingly. Sincerely yours, Matching Maximize Solution Public Company Limited Mr.Wiroj Bunsirirungruang Senior Executive Vice President and Company Secretary

sincerely, Mr. Wit Tantiworawong Senior Executive Vice President

for the period. Sincerely yours, (Ms. Tientip Narach) Senior Vice President – Finance and Accounting CC: Secretary General, Office of the Securities and Exchange Commission

connected persons Note: 1 Mr. Hideki Wakabayashi is the Chairman of the Board of Directors of AEONTS and the Director of AFS 2 Mr. Junichi Iwakami is the Senior Executive Vice President of AEONTS and the Non

the subsidiaries of AFS group. Name, position and shareholding proportion of the connected persons Note: 1 Mr. Hideki Wakabayashi is the Chairman of the Board of Directors of AEONTS and the Senior