, hereby certify and consent to the followings: 1. I certify that the audit firm has audit quality control system which is sufficient and reliable for supervising its auditors’ work to comply with the

” and making KBank the Customers’ Main Bank for all eight customer segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality

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. (UNOFFICIAL TRANSLATION) (Revision 2015) Table of Contents Page 1. Audit Firm profile 1 2. Network firms of the Audit Firm 4 3. Internal management of the Audit Firm 5 4. Inspection results on quality control

impairment loss on loans, in line with our improved asset quality. Moreover, net interest income rose Baht 4,377 million or 4.65 percent, which was derived mainly from interest income from both loans and

quality improvements in order to deliver an excellent customer experience. Being aligned with our business strategies, KBank and subsidiaries thus reported that net profit for the second quarter of 2019

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Life Assurance Public Company Limited and our business partners, for service quality improvements in order to deliver an excellent customer experience. In keeping with changing customer expectations, we

2562 1 (Leadership Responsibilities for Quality within the Firm) ( ) (2) 2 (Relevant Ethical Requirements) ( ) ( ) 3 (Acceptance and Continuance of Client Relationships and Specific Engagements) (1) (3

of Directors’ Meeting No 5/2019 of Quality Houses Public Company Limited (“the Company”) held on August 13,2019 at the meeting room 7th Floor Q.House Lumpini Building, South Sathorn Road, Bangkok has