the first paragraph, the audit committee must be directly responsible to the Company’s board of directors, while the Company’s board of directors shall remain responsible to third parties for the

not directly related to our core financial business operations. Data analyses and close assessments of relevant events have been employed in managing existing equity to ensure maximum benefit of KBank

registered as a derivatives intermediary in the category of a derivatives agent; and “net exposure” means the net value of investments made, whether directly or indirectly, in instruments or agreements under

retrieve the waste water directly from the project. Due to such event, the Board of Directors has been informed about the change in the project. The Board of Directors, therefore, has assigned the management

level of the Company and subsidiaries to be consciousness and values in working with honesty, transparency, clarity and verifiability without any actions constitute to corruption directly and indirectly

the COVID- 19 outbreak is expected to impact the macroeconomy and industries that the Company is directly and indirectly involved in. Nonetheless, the Company maintains its confidence in its growth

unannounced, to provide adequate levels of cash flow and liquidity as the COVID- 19 outbreak is expected to impact the macroeconomy and industries that the Company is directly and indirectly involved in

rate for customers, both retail and corporate, and offering special interest rate for customers who were impacted directly and indirectly by COVID-19 pandemic as well as providing assistance to customers

COVID-19 outbreak (2) the projected worsening of unemployment situations in both the sectors directly and indirectly impacted by outbreak, which would further weigh on private consumption and household

impact the macroeconomy and industries that the Company is directly and indirectly involved in. Nonetheless, the Company maintains its confidence in its growth strategy under the vision of the “Center of