Thailand Sustainability Investment 4/ Thailand Sustainability Investment n/a Ranking by Industry Business 4/ Market/Industry/Sector Change Effective Date 02/07/2015 Previous Market/Industry/Sector SET

and Regulations ( 151 ) Act and Royal Enactment ( 26 ) About SEC ( 23 ) Budget ( 21 ) Manual Select ( 10 ) Enforcement ( 9 ) Strategic Plan ( 8 ) investor ( 7 ) Market Data ( 5 ) Intermediaries ( 4

and Royal Enactment ( 22 ) About SEC ( 20 ) Budget ( 20 ) Enforcement ( 8 ) Manual Select ( 7 ) Strategic Plan ( 7 ) investor ( 5 ) Market Data ( 5 ) Intermediaries ( 4 ) Investors ( 4 ) IPO ( 4

as follows: (1) The Notification of the Capital Market Supervisory Board No. Tor Nor. 47/2567 Re: Investment of Funds (No. 29) and Attachment 1, Attachment 2, Attachment 3, Attachment 4-retail MF

the market as well  The total number of money transfer transactions was 5.8 mn, an increase of 864% YoY Business Overview 4Q16 1Q17 2Q17 3Q17 4Q17 2016 2017 %YoY Total usage amount through “Boonterm

Operating Results 1. Organizational structure and operation of the group of companies 3 2. Risk management 12 3. Business sustainability development 13 4. Management discussion and analysis (MD&A) 17 5

of potential factors or incidents that may materially affect the financial condition or the operating results. This includes both external factors such as economic trends, changes in market/industry

growth and returns while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity” and making KBank the Customers’ Main Bank for all eight customer

shown in the table on page 6. Market and Competitive Environment In 2Q19, the competition in mobile market showed a sign of improvement. Overall, the industry focused on reducing unlimited data offerings

achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customers’ Life Platform of Choice” along with “Customer Centricity”, KBank has