risk management in accordance with the Third Party Risk Management Implementation Guideline in cases where there is use of services, connection or access to information by a third party. KBank has put in

of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the

included the introduction of K-Cash Connect Plus that allows customers to 16 make immediate funds transfer to recipients or a third party having a KBank account, as well as K CONNECT-LG which features

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

services and investment. One notable initiative was development of the QR KBank – an e-wallet application which can be used for top-up, funds transfer and QR payment, available in Lao People's Democratic

cost over the long term, which will in turn help reduce costs within the economic system.. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve

durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our

customer privacy. Being aligned with our business strategies, KBank and subsidiaries thus reported that net profit for the first quarter of 2019 totaled Baht 10,044 million, decreasing Baht 722 million or

dividend will be on May 28, 2020. 1.2 The interim dividend payment date will be within June 12, 2020. 2. Approved the joint venture project of Shabushi restaurant in the Lao People's Democratic Republic

plant project in the Lao People’ s Democratic Republic and investment in the construction and operation of transmission line system and substation to the Socialist Republic of Vietnam Attn: President The