own, with standards comparable to those of the regulatory sandbox, in order to support the development of innovations and shorten the time until market launch. The move will help increase efficiency in

thoroughly considered to maintain a balance in terms of investor protection and competitive edge in the international arena. The SEC remains vigilant in fulfilling its roles and responsibilities, ensuring that

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Economic and political

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records or existing low-risk customers, while giving greater weight to digital lending. 2.2 Market Risk

activities in the digital world. This trend will likely be evident in the foreseeable future. To cope with this challenge, the business sector, including Thai commercial banks, has become more vigilant in

cost over the long term, which will in turn help reduce costs within the economic system.. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve

the supervision of the Enterprise Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits

capital requirements in 2019, and preparations for International Financial Reporting Standards (IFRS9), as well as development of digital platform to help expand customer base and income from financial

ถึงสามารถตรวจรายชื่อผู้ที่อยู่ในข่ายเฝ้าระวังได้ที่ Investor Alert และหากพบเบาะแสความไม่ชอบมาพากล http://www.sec.or.th/ 3 ในตลาดทุน สามารถแจ้งเบาะแส หรือเรื่องร้องเรียนได้หลากหลายช่องทาง เช่น SEC Help

) Provide support to help align the Company’s practices and processes with the SDGs (2) Build capacity within the Company to better understand IMM and approaches of integrating inclusivity and sustainability