via KBank e-Learning system  Communicating to employees the Anti-Corruption Policy and informing them of communication channels for accepting information, suggestions or complaints via internal media

Incident Management Standard for handling customer complaints within the same day, while also preparing guidelines for communication to our customers to minimize negative impacts and maintain the positive

providing channels for receiving human rights-related complaints and handling mechanisms. Additionally, KBank has arranged a series of trainings and communications on a regular basis to enhance employees

, suggestions or complaints via internal electronic network and closed-circuit TV systems. We also provided recommendations on compliance with the Statement of Corporate Governance Principles and best practices

during the past three years have complied with the law. In case of disputes or legal complaints on environmental issues, specify the details of each, including respective solution guidelines. 2.2.4 Under

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...