Explanation Investment policy and strategy Calendar year performance and benchmarks over the past five years (% per annum) Fund Information Registration Date Class Launch Date Dividend Distribution Policy Fund

During the third quarter of 2019, KBank continued to adhere to our “Customer Centricity” strategy, being attentive to the uncertainties of the domestic and global economy, sustaining our customers

Company is confident that our strategy and prompt action plans will enable us to navigate the shifting retail landscape in the future. The current business situation First half of 2020 was a challenging

million with a fixed coupon rate of 3.24%. The proceeds will be used to support financing of Rayong Waste to Energy (WTE) project and solar power plant projects as parts of GPSC’s plan to scale up our

4.22% up from 2Q2016. The Consolidated SG&A expenses increased since higher freight cost from higher export volume and increasing of transportation cost comparing to 2Q2016. The consolidated SG&A

that of the subsidiaries for the Company. 2. Risk Management 2.1 Risk management policy and plan Describe the policy, operating framework and organizational risk management plan to demonstrate that the

policy and plan Describe the policy, operating framework and organizational risk management plan to demonstrate that the Company inspects, monitors and assesses the risks affecting the achievement of the

into the next year, close attention should be paid to the timing of the Federal Reserve’s tightening monetary policy under the anticipated new Federal Reserve chairman, the US tax reform plan and the

from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

private consumption. Figure 1Total electricity usage, 2015-2017 Source: Electricity Generating Authority of Thailand According to Thailand Power Development Plan 2015-2036 (PDP 2015), peak demand was