actions against cyber threats.  People and culture: KBank continues to emphasize the cultivation of a cyber risk-aware culture via communication through various formats. Notable endeavors included a

uplift of information security management to meet global standard: KBank’s information security management system has been awarded ISO 27001:2013 certification for the sixth consecutive year. We were also

production efficiency and competitiveness enhancement. Another notable program was a soft loan program catering for Small Business clients in promising tourist attractions and commercial zones to help them

Plan. Notable endeavors included an added function for payment acceptance via QR code and more features for merchants, namely buyers’ purchase history shown in a sales summary report, UX/UI improvement

of debentures. Another notable initiative was development of the CBH PLUS application of Chon Buri Hospital, which links to the database of the National Health Security Office (NHSO) to allow patients

duties for seven accounting years, whether those years are consecutive or not, and those auditors are then required to take a break from auditing tasks for that firm, for five consecutive accounting years

supervise risks and uphold good corporate governance principles, among others. 4 2. Independent directors are required to hold the position for no more than nine consecutive years, and there must be at least

inventory management. Another notable effort in this quarter included “K SME Good to Great”, organized specifically for auto parts manufacturers, hardware and plastics businesses. The event featured a

term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of Core Businesses 3.1 Sustainable Development and Corporate Governance Notable progress of KBank’s

E_1 Legal_FA_2015_12_29-c A WWCCoorrppLL44..11hhiigg A Executive Summary 1 Management Discussion and Analysis For the Year Ended December 31, 2017 In 2017, Thai economic growth gained traction, buoyed by strong recoveries in tourism and exports. This growth momentum is expected to carry on into 2018, especially amid a brighter outlook in public and private investment. Nonetheless, the business sector remained challenged by new modes of competition in a broader marketplace amid the advancing digi...