decile total shareholder returns (TSR) position vs. peers and a strong cash flow through the cycle. As presented at our Capital Markets days in Feb 2020, On the journey to achieve above objectives, IVL is

calculated from the projected cash flows of CCPH and KPPH. Thus, the share swap ratio is appropriate and the Board has the resolution to approve the 13 decision to enter the Transaction which will be presented

10,791.20 14,058.6 4,521.65 9,057.45 4,542.38 Notes: 1 “Interest income from loans purchased” and “gain on loans purchased” are presented as two separate line items in the audited financial statements for the

presented to KBank’s executives on a regular basis.  Implementation of measures for controlling advanced threats including advanced threat prevention, e.g. implementation of various cyber security solutions

receipts has disclosed facts, which are material and have not been presented in the registration statement and the prospectus, to any specific person for the purposes of analyzing the adequacy of investment

foreign currency banknotes with, commercial banks or other authorized money changers in Thailand, or banks or foreign exchange operators offshore. Relevant documents must be presented as evidence, such as a

submitted to the Revenue Department for income tax filing – rather than bank account statements – as a support document when applying for loan. Moreover, we 13 introduced a product offering a special credit

assets are non-liquid land and property, which are typically more difficult to manage than other assets, KBank introduced Property and Land Credit for Investment – specifically designed for this customer

transaction is not classified as acquisition and disposition of assets since the size is lower than 15%; the Meeting can approve and proceed this transaction. However, this transaction will be presented in the

of the Board of Directors. The interested directors were not presented at the meeting. The Company certifies that information in this memorandum is accurate and true, and that the memorandum is