. These new regulations and rules will be instrumental in elevating KBank’s operational procedures, which will be conducive to the nation’s economic and financial system, as a whole. 7 2. Risk Management

deposits within Thailand or abroad which may be non-investment grade or unrated. We are elevating THE WISDOM brand along with maintaining our leadership status. Our customers were delivered exclusive

engagement with the aim of making KBank their Main Operating Bank (MOB), thus elevating our competitiveness for sustainable and long-term growth. High Net Worth Individual customers: Determined to perform at

E_1 Legal_FA_2015_12_29-c A WCorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2018 In 2018, the overall Thai economy maintained its growth due largely to healthier growth of exports and tourism, especially in the first half of the year. Meanwhile, the government continued to implement measures to promote and strengthen the domestic economy through support of investment and private spending as well as bolstering opportunities for other econo...