registration statement for offering of debt securities. - 6 - SEC Classification : ใชภ้ายใน (Internal) 1.2 Nature of Business 1.2.1 Income structure1 In case of more than one product line or business group

Thailand Pillar 3 requirement and disclosure principles, are shown in “the Basel III Pillar 3 Disclosure” section on KBank’s website. 9 Risk Management Structure1) 1) Data as of December 31, 2019 Key

” section on KBank’s website. 9 Risk Management Structure1) 1) Data as of December 31, 2018 Key Developments to Strengthen Risk Management KBank places the great emphasis on effective and proactive risk