businesses were assisted in transition to become more transparent in order to meet with good corporate governance practices while commit to create value for shareholders and to be trustworthy for investors

share offering information and, prior to making investment, must pass knowledge test on risks associated with the investment. In case of retail investors, each investor is allowed to buy shares not

preferable and discouraged practices are defined to ensure quality of credit extension. Our credit risk management is based mainly on current, transparent and qualified data. The credit approval processes and

during the past 5 months since the Phuket boat incident partly due to the exemption of visa on arrival fee which started from November 15, 2018 resulting in the number of Chinese tourist arrivals to total

income. Public spending also increased from spending on goods and services and compensation expenses while capital spending declined from the high base effect of last year from the disbursement of

meeting on December19, 2018, the Monetary Policy Committee (MPC), voted 5 to 2 to raise the policy rate by 0.25% from 1.50% to 1.75%, the first policy rate increase in 7 years. The main factors that

slowdown which could weigh on global trade and investment (2) the Coronavirus outbreak and associated fears that would greatly impact Thai tourism income and related sectors (3) the severe drought that would

considering the level of provisions taking into account the prolonged uncertainties from the COVID-19 and recorded total expected credit loss amount for 1Q21 at Baht 1,234 million. The Bank placed importance on

1 - Translation - Ref: JKNGB-003-02/2019 February 27, 2019 Re: Capital Increase in Subsidiary and Information Memorandum on Connected Transaction of JKN Global Media Public Company Limited and

providing seamless financial services whether in commercial banking or capital market business. All companies will use a new logo designed based on a combination of the existing logos of Kiatnakin Bank and