have been established in line with commercial banks’ practical guidelines. 3. Escrow Agents Act (No. 2) B.E. 2562 (2019), published in the Government Gazette on April 14, 2019 and effective April 15

:  Permission Given to Commercial Banks to Act as Identity Provider or Source of Data in the Digital Format The Bank of Thailand (BOT) issued circular Ref. No. BOT.ForKorKor. c.2053/2561 (2018) Re: Permission

). Securities per the Securities and Exchange Act which are in the form of an electronic data unit shall not be regarded as cryptocurrencies or digital tokens. 2. Criteria for the offering of newly issued digital

operation in 2018 and over the next five years in order to deliver an excellent customer experience. Meanwhile, we have upgraded our technological capability in order to act as a digital platform provider for

2018 that may have affected KBank’s and K Companies’ business operations included:  Bankruptcy Act (No. 10) B.E. 2561 (2018) Bankruptcy Act (No. 10) B.E. 2561 (2018) which came into force March 3, 2018

Budget Act and drought. Furthermore, domestic spending may be limited due to weakening purchasing power and hefty household debt. Apart from economic woes, businesses face numerous other challenges that