, and encouraging training for its board members and use of board committees. It has long standing plans to demutualize and become a listed company, which would require it to meet the standards of a

and users. Worse, technology risk may lead to credibility risk, security risk and system stability risk, which could eventually harm the Bank’s financial standing. KBank has established sandbox testing

to thank all parties for their contributions throughout the year to ensure that the Thai capital market will remain the long-standing pillar of our sustainable economy. 4 Message from the Secretary

Company hence decided to convert only trade creditor debt since it is relatively long-standing in the Business‟s No. GST/ELCID-13/2562 Re: The Debt to Equity Conversion, the Increase of Registered Capital