procedures as specified in the notification. In this regard, Bitazza's compliance system for monitoring the operations of the digital asset business operator was deficient. In particular, Bitazza failed

providers, to be able to operate their businesses with more liquidity and effectiveness. The regulations also help business providers to dedicate their resources into excellent and appropriate goods and

excellence, with greater consideration of consumer protection in order to deliver excellent financial products and an unsurpassed service experience to all our customers. Meanwhile, KBank places equal

Life Assurance Public Company Limited and our business partners, for service quality improvements in order to deliver an excellent customer experience. In keeping with changing customer expectations, we

an excellent customer experience. We have collaborated with our partners, cross-industry and cross-border, to create ecosystem partnerships under the “KASIKORNBANK and Beyond” concept. All of these

supervision in segments other than car title loan. KBank has improved policies, processes, and operational systems to accommodate and comply with relevant regulations, as well as will closely monitoring on new

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

written investment governance policy, (4) making informed investment decisions and monitoring investee companies regularly, (5) escalating monitoring of and engagement with the investee companies in case of

Engagements) (1) (1) 4 (Human Resources) ( ) ( ) 5 (Engagement Performance) (2) ( ) 6 (Monitoring) (1) (2) 100 .20 65 2 KPMG KPMG AQIs 2 KPMG KPMG 2 KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG 108 31 2564 5.60

) 4 (Human Resources) ( ) ( ) 5 (Engagement Performance) (2) ( ) 6 (Monitoring) (1) (2) 100 .20 85 2 EY data analytic tools EY EY EY EY EY EY EY EY EY 211 30 2564 6.41 35 EY 3 3 1 (Leadership