Offeror : NHCT Co.,Ltd. | Date of submission of the Statement of Intention : 05/08/2008

to Item 11]. 4. Management of the computer network systems and information transfer: - communications security [Referring to Item 9] - information transfer [Referring to Item 9.2] 5. Protection against

Item 11]. 4. Management of the computer network systems and information transfer: - communications security [Referring to Item 9] - information transfer [Referring to Item 9.2] 5. Protection against

right time with ever-greater consideration of consumer protection and customer privacy, taking into account the changing customer expectations. Along with this, we focus on predictive risk management

health and safety disasters strike, it often becomes clear that poor governance allowed lax standards, and human tragedy followed. (See page 28 for the case study Lessons Learned from the Massey Energy

against, cope with and minimize cyber threats in a timely manner to avoid their potential impact on the nation’s security. 9. Personal Data Protection Act B.E. 2562 (2019), published in the Government

reducing financial vulnerability.  Promoting fair financial services and consumer protection, while also encouraging financial literacy and discipline among consumers. 3 Thailand Climate Change Master plan

2.04 -13.23% 2.15 2.27 -4.99% Finance costs (32.49) (34.40) -5.55% (62.48) (66.64) -6.24% Share of profit of investment in associate 0.61 0.81 -23.85% 1.50 1.47 1.63% Tax expense (75.16) (64.61) 16.34

in safekeeping advance money in accordance with the true purpose of the law for consumer protection. Salient points of the regulations can be summarized as follows: (1) Banks are required to start

customer expectations, consumer protection and customer privacy. Beyond these strategies, we focus on predictive risk management with the aim of maintaining KBank’s stability as a leading financial