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Legal_FA_2015_12_29-c Significant regulatory changes in the second quarter of 2018 that may have affected KBank’s and K Companies’ business operations included: The Emergency Decree on Digital Asset Businesses, B.E
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concern on a deterioration in debt serviceability of household and SMEs. Although the deterioration in credit quality of commercial bank loans affected profitability, but Thai commercial banking system’s
interest income is also expected to maintain positive momentum in the final quarter of this year, which would somewhat cushion the negative impact of reduced online transaction fees which have affected non
inevitably hurt commercial banks’ opportunities and business operations. 1.3 Significant Regulations and Rules related to Business Operations2 Significant regulations and rules that may have affected KBank’s