Resilience – Ability to Adapt Competitive Position & Industry Structure How + or – positioned is the company within the industry structure to navigate these sustainability themes (e.g. product substitutability

end of 2017. Even though deposits recorded slower growth than loans, overall liquidity in the banking system remained plentiful. KBank ranked fourth in assets, deposits and net loans in the commercial

consecutive year.  Ranked in FTSE4Good.  Improved rating in the MSCI ESG to BB , indicating a reduction in greenhouse gas emissions, carbon footprint and enhanced recycling of water and chemicals.  Committed

แบบแสดงรายการข้อมูลการเสนอขายตราสารหนี้ 1 แบบแสดงรายการขอ้มลูและรา่งหนงัสอืชีช้วนส าหรบัการออกและเสนอขายตราสารหนี ้ ทีอ่อกและเสนอขายโดยนติบิคุคลตา่งประเทศ Registration Statement for Issuing and Offering of Debt Securities by Foreign Issuer Commercial Name of the Issuer……………………………………….. Offering to…………………………………………………………………….. Features of Debt Securities i.e. interest rate/ offering unit /total principle amount/ par value per unit/offering price per unit etc. Credit Rating…………………………………………………………………...

material environmental, social or governance risks associated with the Nominated Projects & Assets. 2.2.2. how the information provided under Clause 2.1 is positioned within the context of the Issuer’s

percent at the end of 2018. This resulted in easing liquidity in the banking system. KBank ranked fourth in assets, deposits and net loans in the commercial banking system, with market shares of 13.56

positioned as a manufacturer in this level. (3) Small size manufacturers have sales of less than Baht 300 million per year, most of them are small producers with production capacity and quality production is

E_1 Legal_FA_2015_12_29-c A CCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2017 The global economy in the second quarter of 2017 maintained its growth momentum. Similarly, Thailand’s major economic indicators continued to exhibit growth, as evidenced by brighter exports, government spending and private spending on certain items of durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the...

E_1 Legal_FA_2015_12_29-c A FFeeCCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended September 30, 2017 The Thai economy maintained steady growth in the third quarter of 2017, buoyed largely by tourism and exports. Nonetheless, the economic recovery was not broad-based, as evidenced by sluggish private consumption. While certain businesses were still fragile, others remained mired in uncertainty in terms of new modes of competition, a broader market...

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained traction, buoyed by both domestic and international factors. However, the business sector faced rising challenges, namely various forms of competition, a borderless marketplace within the ASEAN Economic Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus lea...