shopping malls and from the Company’s continuous effort to conserve energy and utilities in operations. Hence, the same- store utility cost decreased 8.2% YoY. • Higher maintenance, repair and personnel

close shopping malls and from the Company’s continuous effort to conserve energy and utilities in operations. Hence, the utility cost decreased 45.6% YoY (for the first six months of 2020, utility cost

conserve energy and utilities in operations. Hence, the utility cost decreased 45.6% YoY (for the first six months of 2020, utility cost decreased 25.5% YoY). Gross profit of rental and services business The

management and to reinforce the confidence that the management is carried out by professionals in order to achieve its goals, the Company must hire Synergy Strategic Solutions Management DMCC (“Synergy”), a

minimize the risk regarding the Company’s management and to reinforce the confidence that the management is carried out by professionals in order to achieve its goals, the Company must hire Synergy Strategic

, meanwhile, achieved lower electricity unit consumption compared to last year thanks to the Company’s continuous effort to conserve energy and utilities in operations. Hence, the same-store utility cost

customer experiences in order to reinforce our leadership in the industry. This quarter we have implemented infrastructure for transactions of High Net Worth Individual customers in the form of two separate

customer engagement in order to reinforce our digital banking leadership, in support of the national policy of making Thailand a cashless society, we launched a “No Fees” campaign for funds transfer, top-up

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership

333/3 Viphavadi Rangsit Road, Chomphon, Chatuchak, Bangkok 10900, Thailand Tel: +66 1207 or +66 2695 9999 Fax: +66 2695 9660 e-mail: info@sec.or.th BU I L D ING BR IDGES INDEPENDENT AUDIT INSPECTION ACTIVITIES REPORT 2014 INDEPENDENT AUDIT INSPECTION ACTIVITIES REPORT 2014 BUILDING BRIDGES Securities and Exchange Commission, Thailand Securities and Exchange Commission, Thailand Contact Information  This report is available for download on the SEC website: www.sec.or.th  For more information, p...