lower investments In order to proactively respond to the rapid spread of COVID-19 pandemic and government policies, After You has made improvements to its strategy and strategic directions as follows

Management 17  Digital Risk Management 18  Strategic Risk Management 19 3. Business Directions and Operations of Core Businesses 20 3.1 Sustainable Development and Corporate Governance 20 3.2 Business

Management 11  Market Risk Management 14  Liquidity Risk Management 16  Operational Risk Management 17  Cyber Risk Management 17  Strategic Risk Management 19 3. Business Directions and Operations of Core

Company has set strategic directions to further develops complete Omni-channel services that deliver new and superior retail shopping experiences that fit changing lifestyles of consumers in the era of NOW

directions that focus on effective, timely and proactive integrated risk management (IRM), internal operation efficiency, maximized resource utilization, along with better IT systems, to ensure that we will

Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk Management 7 2.3 Liquidity Risk Management 8 2.4 Cyber Risk Management 8 3. Business Directions and Operations of Core Businesses 9

Business Operations 2 2. Risk Management and Risk Factors 4 2.1 Credit Risk Management 4 2.2 Market Risk Management 4 2.3 Liquidity Risk Management 5 3. Business Directions and Operations of Core Businesses

2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance

3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance 7 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of

of Directors. The information in the said matters shall clarify the directions and the determination to drive the business towards sustainability, as deemed appropriate by the Company, to be used as