Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Second Quarter of 2017 1 1.2 Banking Industry and Competition 2 1.3 Regulatory Changes 3 2. Risk

reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2017 1 1.2 Banking

appropriate to each type of cloud service employed for preventing threats and unauthorized access; (10) adopt the multi-factor user authentication for the administrator log-in page to the critical information

The opinions of the Independent Financial Advisor on the connected transaction (For the purpose of translation only) 1 Table of Contents Page Executive Summary 5 Secion 1 Request for approval to sell

awards we received in this quarter. B Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the First Quarter of 2019 1 1.2 Banking Industry and

quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Second Quarter of 2019 1 1.2 Banking Industry and Competition 2 1.3 Significant

Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the First Quarter of 2018 1 1.2 Banking Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk

business strategies, the aforementioned endeavors allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad. B Contents Page

shown on Page 31-32. Moreover, the company will recognize the revenue after completing two acquisitions including GLOW with 2,771 Megawatts and 39.5 Megawatts of solar power plants. In addition, the

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