. Digital disruptions to banking – Digital technology will impact commercial banking businesses. Rapid growth in the use of smartphones and tablets enables consumers to increase their everyday access to

Award in 2018 from International Finance GPSC was selected to be Most Innovative Power Company in 2018 by International Finance since the company has been adopted digital technology software to optimize

operations.  Small and Micro Business KBank develops convenience-enhancing digital technology to help our customers’ business operations to remain up-to-date and fast while boosting their potential in highly

management.  Small and Micro Business KBank has incorporated digital technology into our financial services in response to the government’s cashless society policy according to the National e-Payment Master

interest. Notable events included the seminar entitled, “Get Started: Digital Transformation for Your Business”, in which executives with long 11 experience in leading digital technology companies both in

bolstering KBank’s digital technology capabilities. Branches and Financial Service Offices/Centers Domestic Service Network Number of Locations Overseas Service Network Number of Locations Sep. 2018 Jun. 2018

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2018 The Thai economy in the second quarter of 2018 gained further traction from the first quarter. The ongoing economic rebound was mainly driven by exports and tourism, whereas domestic spending and investment only gradually picked up. Still, the economy has yet to see strong across-the-board growth. The business sector remained challenged by new modes of competition...

have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most

of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the