Board of Directors Meeting No.11/2019 held on November 11, 2019 at 13.00 has resolved to approve the investment in the business of in-store audio advertising media (Smart-radio) and event and concert

-Cash Connect Plus and K-Corporate Payment Card (Tax Smart Card).  Small and Micro Business KBank has supported our customers by providing them funding, bolstering their competitive capabilities and

line to SME customers for tax payment to government agencies via K-Cash Connect Plus and K-Corporate Payment Card (Tax Smart Card).  Small and Micro Business KBank has supported our customers by

-CDM (Cash Deposit Machines) 2,618 2,615 K-PUM (Passbook Update Machines) 1,099 1,131 Note: 1) Excluding 9 branches, classified as other branch platforms per the Bank of Thailand’s conditions 2

revenue Classified Loans and Allowance for Doubtful Accounts Million Baht Item Loans & Accrued Interest Receivables * Allowance for Doubtful Accounts Classified to Bank of Thailand Criteria June 2017 March

2,083,160 (0.6)% (3.2)% * Less deferred revenue Classified Loans and Allowance for Doubtful Accounts Million Baht Item Loans & Accrued Interest Receivables * Allowance for Doubtful Accounts Classified to Bank

classified as D-SIBs. D-SIBs are required to maintain the additional CET1 of 1 percent of risk weighted assets and the ratio will be gradually phased-in 0.5 percent by January 1, 2019, and 1 percent by January

into a substantial transaction classified as an acquisition or disposal of assets, dated August 31, 2008 (as amended) and Notification of Stock Exchange of Thailand Board Re: Disclosure of information

by The Mandarin Hotel Public Company Limited (“Mandarin”). This transaction is classified as the connected transaction with the following details: The transaction date : After the approval from the

subsidiary ( Casa Ville Co., Ltd.) to sell land without building to Land and Houses Public Company Limited. This transaction is classified as the connected transaction with the following details: Transaction