contingency plan to ensure seamless operation. The SEC also provided related guidelines for securities companies and was in the process of drafting a business continuity plan regulation in case of IT- unrelated

issuance of letter of guarantee via electronic channel. 3.4 Service Channels KBank focused on providing seamless online and offline services of both KBank and our business partners. We have orchestrated

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...