follows:  The 700MHz spectrum inherits a wide-coverage as a strong characteristic which will support 5G coverage and IoT services. Combining with the previously allocated 10MHz, the added 5MHz of 700MHz

bank level and system-wide to ensure that customers and stakeholders are efficiently protected from this risk. 3. Non-Conventional Competitor Risk Given the proliferation of technologies that has shaped

retained its leadership in the bancassurance business, holding the third-largest market share in total premiums. To secure our status as a leading financial institution which can efficiently cope with

operating performance allowed KBank and K Companies to meet business targets while also gaining wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this

and satisfactory operating performance allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous

gaining wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1

critical IT assets are appropriately protected, the intermediary shall identify organizational IT assets and define proper protection roles and responsibilities. Provisions in the Notification No. Sor Thor

secure or satisfy the obligations incurred incidental to or resulted from derivatives transaction for the account of a customer, it shall, in compliance with the rules specified in the notification of the

social distancing practices put in place to combat the viral transmission, which have posed a new challenge to our competitiveness, while we have sought new business opportunities to secure our status as a

term. In addition to achieving revenue growth, the company-wide cost optimization is ongoing and translated into EBITDA expansion of +9% YoY and +2.4% QoQ to stand at Bt18,905mn, a reported margin of