Business B generate 65 percent and 35 percent of the total income respectively. Such clarification is made with reference to the relevant notes to the financial statements). Income Structure1 Product Line

shares sold of the Company. 1.2 Nature of Business 1.2.1 Income structure1 In case of more than one product line or business group, disclose the income proportion of each product line or business group

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