various channels, thus ensuring that electronic financial services provided by financial institutions, including commercial banks, are effectively resilient to cyberattacks. 2. Unemployment and

1 No. EXE. 031-10-17 6 October 2017 Re: Report on Investment of the Subsidiary To: President The Stock Exchange of Thailand Reference is made to the resolution of the Board of Directors of Venture

and Rules related to Business Operations2 Significant regulations and rules that may have affected KBank’s and K Companies’ business operations included:  Rules for Foreign Exchange Control The Bank of

1 Ref: AC.031/2017 15 August 2017 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

1 Ref: AC.042/2017 14 November 2017 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

1 Ref: AC.004/2018 26 February 2018 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

1 Ref: AC.021/2018 14 August 2018 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

1 Ref: AC.028/2018 13 November 2018 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

vulnerable, however, many central banks may adopt a cautious stance in their monetary policies, primarily taking into account the right timing to mitigate possible foreign exchange volatilities as well as

activity, thus dampening Thai economic growth during the second half of the year. Other challenges included volatile foreign exchange movement and international capital flows as well as the rapid evolution