Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2018 1 1.2 Banking Industry and Competition 2 1.3 Significant Regulations and Rules related to
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
related business (Section 22) Other related business Licensing / Registered Capital / Fees Business Conduct Securities Lending / Credit Balance (Section 102) Protection of Customer Assets (Section 98(3