problem of inadequate retirement savings in Thai society. SEC would like the PVD to sustainably grow,  which needs the collaboration among sectors, including the PVD members, who are employees in

services to its customers by preparing and submitting a correction plan for maintenance of NC within 30 days and resolving such problem within 90 days, during which periods customers and stability of the

financial situation. However, the Company has received a written waiver from its creditor on this issue in the third quarter of 2019, which is the most recent waiver. The Company has to maintain Debt to

updated information and having an opportunity to make a decision on the issue, the Company deems it appropriate to propose to the shareholders to consider and approve the revision of the calculation of the

an enforcement of investors’ rights in some issues which are activities occurring outside blockchain* and are not based on the smart contract. Such activities include rent fee collection and payment

problem. 1.3 Significant Regulations and Rules related to Business Operations Significant regulations and rules in the third quarter of 2019 that may have affected KBank’s and K Companies’ business

considered a satisfactory year and is in line with the management's expectation. In the past year, the company was able to generate cash collection from the overall NPLs and NPAs management business, which are

right to vote. However, shareholders who have conflict of interest in this issue are excluded from the vote. The Company also needs to prepare the disclosure of informatio transaction from shareholders

conflict of interest in this issue are excluded from the vote. The Company also needs to prepare the disclosure of information memorandum. In order to approve this connected transaction from shareholders

seen in both public and private investment. Nonetheless, commercial banks may still adopt a cautious stance in their business operations amid the lingering debt quality problem, which still needs some