repercussions for the Thai financial sector, combined with the enforcement of Thai Financial Reporting Standards related to Financial Instruments (including TFRS9) since January 1, 2020, which affects

intermediary shall provide services by taking into account the best interests of a client , protection of client ’s interests, and preventing the causes of damage to investors and appearance of Thai capital

the responsible person of such scheme. “ credit rating ” means the credit rating by a credit rating agency accepted by the SEC Office which estimates the capability to make repayment under instruments

the responsible person of such scheme. “credit rating” means the credit rating by a credit rating agency accepted by the SEC Office which estimates the capability to make repayment under instruments or

customer expectations, consumer protection and customer privacy. Beyond these strategies, we focus on predictive risk management with the aim of maintaining KBank’s stability as a leading financial

as a holding company, i.e. 1) KPN Music Co., Ltd. (“KPN Music”) operating musical instruments trading and music school under the name “KPN Music Institute” ON 11 March 2019, KPN Academy’s registered

introduced customized financial services and innovations that provide greater customer convenience, speed and reliability with ever-greater consideration of consumer protection and customer privacy. Being

)% 3.6% Interest expenses Deposits 5,288 5,616 5,102 (5.8)% 3.6% Interbank and money market items 405 310 257 30.6% 57.6% Contributions to the Deposit Protection Agency and Financial Institutions

15,981 1.8% Interbank and money market items 593 676 307 (12.3)% 93.2% 1,673 805 107.8% Contributions to the Deposit Protection Agency and Financial Institutions Development Fund 2,479 2,498 2,442 (0.8

ended 30 June 2019 Page 7/21 3.5 LH Bank Premium is a personal accident protection card highest Baht 300,000 which guaranteed by CHUBB, the customers just inform their health profile in the application