Likelihood Rare (1), unlikely (2), possible (3), likely (4), very likely (5) Magnitude of impact Insignificant (1), minor (2), moderate (3), major (4), significant (5) Adaptability Very low (1), low (2

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

potential vulnerabilities } Develop insights into investment and growth opportunities } Understand potential regulatory impacts and threats } Identify how companies are positioned to mitigate risks or

through effective capital management and creation of a culture of risk awareness organization-wide, to enable us to cope with possible economic fluctuations in a timely manner. B Being aligned with our

firm confirms the independence of such other firms 15 Any audit partners where they are employed exclusively or principally for an audit engagement? 16 Did the firm adequately address other possible

exclusively or principally for an audit engagement? 16 Did the firm adequately address other possible threats to independence and objectivity and take appropriate actions, including withdrawing from an

institution, allowing us to cope with possible economic fluctuations in a timely manner. Having adhered to our business strategies in the second quarter of 2018, KBank and subsidiaries thus reported Baht 10,917

. enjoyed continually high loan growth. In addition, Muang Thai Life Assurance PCL retained its leadership in the bancassurance business, holding the second largest market share in total premiums. To secure

less accommodative in their monetary policies. Looking forward, global interest rates are therefore likely to be on an upward trend. Amid the trade rift which may make the global economic recovery

Appellate Committee 70 Sub-committees 76 Other Committee and Steering Groups 78 Arbitrators 79 Procedure for Investigation of Possible Contraventions of the SEC Act and Criminal Action 81 Financial Statements