. Operations of Support Groups 38 5.1 Human Resource Management 38 5.2 IT Management 40 1 1. Overview of Operating Environment 1.1 Global and Thai Economy in the Second Quarter of 2019 The global economy

new credit card product, namely the Digital Next Gen Credit Card, the Company's first digital credit card that delivers innovation and advanced security verification solutions which is in line with the

verification solutions which is in line with the Company’s sustainable development plan that focuses on creating a secure financial service for customers, including sale promotions and campaigns and credit card

who prefer online shopping via platforms such as Lazada, Shoppee, Foodpanda, GrabFood, Agoda, Booking.com, and Hotels.com. The key feature of the digital credit card is its secure identity verification

Engagements) (1) (1) 4 (Human Resources) ( ) ( ) 5 (Engagement Performance) (2) ( ) 6 (Monitoring) (1) (2) 100 .20 65 2 KPMG KPMG AQIs 2 KPMG KPMG 2 KPMG KPMG KPMG KPMG KPMG KPMG KPMG KPMG 108 31 2564 5.60

) 4 (Human Resources) ( ) ( ) 5 (Engagement Performance) (2) ( ) 6 (Monitoring) (1) (2) 100 .20 85 2 EY data analytic tools EY EY EY EY EY EY EY EY EY 211 30 2564 6.41 35 EY 3 3 1 (Leadership

Responsibilities for Quality within the Firm) ( ) (1) 2 (Relevant Ethical Requirements) ( ) (2) 3 (Acceptance and Continuance of Client Relationships and Specific Engagements) (1) (1) 4 (Human Resources) ( ) ( ) 5

. Operations of Support Groups 38 5.1 Human Resource Management 38 5.2 IT Management 40 1 1. Overview of Operating Environment 1.1 Global and Thai Economy in the First Quarter of 2020 The global economy saw a

(Unofficial Translation) 1. Human resources planning of each unit should demonstrate the adequate amount of personnel for each unit especially for the investment management division which should have at least 2

Performances of K Companies and Muang Thai Life Assurance PCL 28 4.6 Capital Requirements 29 4.7 Credit Ratings 30 5. Operations of Support Groups 32 5.1 Human Resource Management 32 5.2 IT Management 34 1 1