Business Vision Purpose Any Time & Any Where Attentive & Inclusive TrustworthyTotal Solution K-Culture A PIONEER FOR THE BETTER, A STEP AHEAD FOREVER Customer at Heart | Agility | Collaboration

Re: Operations Relating to Lending of Money for Purchasing Securities and Lending of Securities to Non-Institutional Clients for Making Short Sale By virtue of Clause 5 of the Notification of the

Brand Growth Strategy Dominate Digital Payment Reimagine Commercial & Consumer Lending Democratize Investment & Insurance Penetrate Regional Market Net Zero Society Net Zero in Own Operations Decarbonized

Procedures for Securities Borrowing and Lending By virtue of Section 14 of the Securities and Exchange Act, B.E. 2535 (1992) and Clause 5 of the Ministerial Regulation No. 9 (B.E. 2540) issued under the

Commission No. KorDor 29/2540 Re: Rules, Conditions and Procedures for Securities Borrowing and Lending By virtue of Section 14 of the Securities and Exchange Act, B.E. 2535 (1992) and Clause 5 of the

Section 102 Securities and Exchange Act B.E. 2535 Section 102. The lending of money for the purchase, sale or exchange of securities by a securities company shall be in accordance with the rules

third quarter of 2019, KBank, in collaboration with the Thai Bankers’ Association, expressed our intention to elevate Thai financial institutions’ business practices. To this end, responsible lending

deliver a positive customer experience anywhere, anytime through collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, startups and our business partners under the

time, we have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai Life Assurance Public Company Limited and our business partners, for service

their websites. 34 5. Moving Forward The collaboration and collective effort and support by all relevant stakeholders are the key drivers for successful application of the I Code and integration of the