strategy for improving environmental performance and resilience. What is OpEx? Operating expenses (OpEx) are shorter-term expenses required to meet the ongoing operational costs of running a business. While

company”, “executive”, “institutional investor”, “high net worth investor”, “short-term bond”, and “structured note” shall have the same definitions as given to such terms in the Notification of the

concerning the Determination regarding Definition of Institutional Investor, Ultra High Net Worth, and High Net Worth Investor ; “ client ” means user of an intermediary ’s services; “ Stock Exchange ” means

regarding Definition of Institutional Investor, Ultra High Net Worth, and High Net Worth Investor; “client” means user of an intermediary’s services; “Stock Exchange” means the Stock Exchange of Thailand

for enhanced convenience to our customers in keeping with the digital lifestyle. For credit cards, KBank focused on acquiring new high-income customers through the launch of credit card products to meet

the countermeasures taken by the government to control social gathering activities, including travel restrictions and the closure of venues considered high-risk areas, the Thai economy in 2020 is

(UNOFFICIAL TRANSLATION) Factsheet Form: Structured Notes and Explanation Factsheet Information as of [day/month/year] 1 * II means institutional investors. HNW means high net worth investors. 1

last year. After a high contraction in the previous quarter the factor of income and consumer confidence has gradually improved. For the value of the export of goods Private investment indicators and

factors have not yet been fully reflected in household purchasing power due to high levels of household debt. Consequently, the increase in household income is being partly used to repay debt, and so will

production line of flexible packaging and the machine setup process is not complete and new employee lack of expert skill and the use of raw material is inefficient, cause a high production cost. 3. Selling