consolidated risk management framework that emphasizes management of risks, e.g., credit, market, liquidity, operational, digital and strategic risks. KBank’s risk management structure clearly determines duties

III Road, Alley 23, Bangklo Sub-district, Bangkorlaem District, Bangkok SASCO Siam Appraisal and Service Company Limited BKKPA Bangkok Property Appraisal Company Limited Independent Financial Advisor or

is applied of the Company and the consolidated financial statements of TSEO for the year ended 31 December 2017 as audited by the auditor and (2) the pro- forma consolidated financial statements of

been charged to secure the repayment of all or any money payable in respect of the secured debt securities ; and b. where any of the above tangible assets are in the form of real property, provide

lien against the issuer’s property or before taking any other action upon the request of the debt securities holders. 5. Disclose the material terms of the contract or provisions of law governing the

based on the audited consolidated financial statements of the Company for the year ended 31 December 2017, which is equal to 15 percent or higher, but less than 50 percent, this is considered as a Type 2

Management Business.” 4.1 Net profit and Total Comprehensive Income for Q4/2019 and year ended December, 31 2019 Consolidated Unit: Baht million 2019 2018 Change (% yoy) Q4-19 Change (%qoq) Change (% yoy

March 13, 2009. 2 4. Disclose whether the representative may also require indemnification before proceeding to enforce a lien against the issuer’s property or before taking any other action upon the

statements comprise of the consolidated financial statements and the separate financial statements as compared with the financial statements for the same period in the year 2017 ended December 31, 2017. The

’ Meeting No. 6/2018, held on September 7, 2018 and details of which are disclosed in notes No. 11 of the Company’ s consolidated financial statements for nine months ended September 30, 2018, and the