Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 15 Executive Summary The Company implemented proactive measures to timely manage the situation rapidly

international standards, policies and best cyber security practices under the supervision of the Bank of Thailand. Along with this, service users have been continually equipped with beneficial knowledge via

financial institutions (4) Risk supervision and consumer protection (5) Lending prohibitions (6) Asset classification and provisioning (7) Asset management and maintenance of reserve requirement (8

Forum (ACMF), which is a high-level grouping of capital market regulators in ASEAN jurisdictions with the aim to elevate the quality of business supervision of the listed companies in ASEAN to meet

movements, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk management under the supervision of the Risk Oversight Committee, Market Risk

a holding company has investments in retail and financial businesses. During the second quarter, the company passed the coronavirus outbreak ("COVID-19"). Although the situation of the COVID- 19

management discussion and analysis for the 2nd quarter of 2020 and 6-month period ended 30 June 2020, as follows: The Group’s Operation under the Epidemic Situation of Coronavirus 2019 Due to the global

of the COVID-19 situation that affected the Company’s businesses. As a result of COVID-19 pandemic situation, the Company has strictly complied with the announcement from government sector limiting

enterprise information technology and operating systems for information security; (2) supervision, monitoring and examinaion of compliance with the policies, measures and the operating systems under (1); (3

closely monitoring the situation and assessing possible impacts, placing importance on efficient risk management under the supervision of the Risk Oversight Committee, 8 Market Risk Management Sub-committee