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Ref. No. IVL 002/05/2020 12 May 2020 The President The Stock Exchange of Thailand Subject: Submission of Quarterly Review of Financial Statements and the Management Discussion and Analysis of

PowerPoint Presentation Management’s Discussion and Analysis (MD&A) For the Financial Result for the Fiscal Year Ended December 31, 2019 B.GRIMM POWER PUBLIC COMPANY LIMITED Management’s Discussion

excellence, with greater consideration of consumer protection in order to deliver excellent financial products and an unsurpassed service experience to all our customers. Meanwhile, KBank places equal

temporary suspended. Private consumption contracted as a result of weakening purchasing power and high household debt. Government have implemented financial relief measure to help those affected by the COVID

segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality excellence, with greater consideration of consumer protection in order to

both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by

Ref. No. IVL 005/11/2019 11 November 2019 The President The Stock Exchange of Thailand Subject: Submission of Quarterly Review of Financial Statements and the Management Discussion and Analysis of

) Act and Royal Enactment ( 18 ) About SEC ( 12 ) Toward International Excellence ( 6 ) investor ( 4 ) Strategic Plan ( 4 ) Enforcement ( 3 ) Investors ( 3 ) Manual Select ( 3 ) Budget ( 2