governance (ESG) issues Market Conduct and Customer data security and privacy Business operations defined by good corporate governance practices 8 Upgraded ESG Environmental Key Performance Indicators

: Permission for the Management Company to Take Purchasing Order or Selling Order of Investment Unit of Mutual Fund from Customer Outside the Place of Business of the Investment Management Company, dated 21

land and providing services related to project security and cleaning to the group customer, that operates 17 solar power plant projects in Thailand, and revenue from sales of electricity from its own

operation of the Group Company consist of revenue from services and rental including procuring project land and providing services related to project security and cleaning to the group customer, that operates

and training for all staff together with clear-cut staff performance measurements; (6) customer data management that takes into account appropriate customer data security and privacy; (7) effective and

security system must be in place, which includes system readiness, service continuity, and monitoring of business partners regarding IT security and customer data privacy protection. KBank will be able to

Management Sub-committee Information Technology Strategy Sub-committee Digital Oriented Risk, Data & Cyber Security and IT Risk Management Sub-committee (DCSC) Enterprise Risk Management Division Customer

been enhanced for greater service efficiency and stability in conformity with the Payment Card Industry Data Security standard (PCI-DSS). - K-Contact Center: We aim to be the “Smart Customer Solution

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

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