Thailand Pillar 3 requirement and disclosure principles, are shown in “the Basel III Pillar 3 Disclosure” section on KBank’s website. 9 Risk Management Structure1) 1) Data as of December 31, 2019 Key

their highest benefit, support of financial service competition, transparent data disclosure and maintenance of financial stability, among others. Meanwhile, commercial banks’ customers, especially small

add details, conditions, and execute, negotiate, agree, sign and amend any agreements, applications, evidence and documents relating to the disposal of the Company’s assets, including contact and filing

the offering of newly-issued ordinary shares is not approved by the SEC; 2. Negotiation, alteration, amendment, execution of the agreements and other documents in relation to the Investment in Ordinary

of interest and other encumbrance. Where there is a disclosure of the investment portfolio, it should be disclosed to all investor equally; (3) Using of adequate and reliable information, documents or

reliable information, documents or referenced evidence in making investment decision; (4) Potential investment risks are managed when making investment decision. The investment shall be done reasonably and

is not approved by the SEC; 2) Negotiation, alteration, amendment, execution of the agreements and other documents in relation to the Investment in Ordinary Shares of S-TREK not limited to the share

supporting documents of the meeting of the Board of Directors, may be delivered via electronic mail. In this connection, any persons who have a duty to convene the meeting shall collect copies of the notice of

meeting of the Board of Directors, including supporting documents of the meeting of the Board of Directors, may be delivered via electronic mail. In this connection, any persons who have a duty to convene

and relevant employees at least once a year about the following law, regulations, and documents: (1) the law on securities and exchange2, and any regulations issued by virtue of such law; (2) the codes