banking business and capital market business. Commercial banking business operated by Kiatnakin Bank Public Company Limited and the capital market business operated by Phatra Capital Public Company Limited

Environment 1 1.1 Global and Thai Economy in 2019 and Outlook for 2020 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Significant Regulations and Rules related to Business Operations 5 2. Risk

wrongdoing against a client’s assets by (1) using the client’s credit card to withdraw cash and spending the money for her own personal use, (2) replacing the client’s banking account contact information

leveraging of our strength as Thailand’s number-one digital banking provider, with the aim of becoming the Customers’ Life Platform of Choice under our core strategy of Customer Centricity for our business

reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2017 1 1.2 Banking

awards we received in this quarter. B Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the First Quarter of 2019 1 1.2 Banking Industry and

points at the end of 2018. Overall Business Operations The Bank’s loan portfolio during 1Q19 grew 1.9% with growth driven by corporate banking loans, real estate development loans and housing loans while

) Date (Oldest) Property Fund Prospectus - SUPEREIF : Super Energy Power Plant Infrastructure Fund BBL ASSET MANAGEMENT COMPANY LIMITED|Brown Field Infrastructure Fund | Offering Date : 22/07/2019 - 05/08

Banking; the Federation of Thai SME; the Thai Venture Capital Association; the Investment Banking Club; the Federation of Accounting Professions under the Royal Patronage of His Majesty the King; and the

of the Bureau of Financial-Banking Crimes and Money Laundering, to discuss the developments of the legal proceedings in this case. “The SEC always places high importance on legal enforcement and