Secretary, Ministry of Commerce Commercial Advisor, Office of the Permanent Secretary, Ministry of Commerce​ ​Trainings ​​​ ​e-Government Program for Chief Executive Officer, Thailand Digital https

wide acceptance and recognition at home and abroad. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Second Quarter of 2018 1 1.2 Banking

_ Ocean Commerce Public Company Limited 148/1 Soi Ramintha 14, Ramintra Road , Tharang, Sub - District Bangkok 10230 Tel: 02-943-6663-4 Fax: 02-943-6343 02-943-7740 No. OCMSET/1902/001 (translation

operating performance allowed KBank and K Companies to meet business targets while also gaining wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this

wide range of economic activities, weakening purchasing powers, lowering household income, increasing number of laid off labors, high debt burden, and lowest consumers’ confidence in more than 21 years

projects. The term generally refers to bonds that have been marketed as “Green”. In theory, Green Bonds proceeds could be used for a wide variety of environmental projects, but in practice they have mostly

OCEAN COMMERCE PUBLIC COMPANY LIMITED 99/290 Floor 1, Soi Sukhumvit 43, Sukhumvit Road, Khlong Tan Nuea Sub-district, Watthana District, Bangkok Tel: 0-2258-5565 Page 1 of 3 No. OCMSET-6302-001 26

(RegTech) ประกอบด้วยการสร้างฐานข้อมูลเพื่อการตรวจสอบ (data-driven investigation) และระบบงานดิจิตอล (digital regulator)5) รับมือภัยคุกคามทางไซเบอร์ ด้วยมาตรฐานตลาดทุน (market-wide standards) และการซ้อมแผน

and satisfactory operating performance allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous

through effective capital management and creation of a culture of risk awareness organization-wide, to enable us to cope with possible economic fluctuations in a timely manner. B Being aligned with our