measures to release the economic impact. Having considered the above-mentioned circumstances, the Bank of Thailand lowered the Thai economy growth outlook in 2020, from an increase of 1.5-2.5% to a decrease

. Nonetheless, the Company maintains its confidence in its growth strategy under the vision of the “Center of Life”, such that its business operations will continue to be the center of happiness, create new

impact the macroeconomy and industries that the Company is directly and indirectly involved in. Nonetheless, the Company maintains its confidence in its growth strategy under the vision of the “Center of

vision of maintaining our growth and our leading position in the Thai digital banking service market. - Improvement of policies to better respond to cyber risk management through establishment of

E_1 Legal_FA_2015_12_29-c A WCorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2018 In 2018, the overall Thai economy maintained its growth due

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4

(Translation) th August, Ref: SET-- Re: Management's Discussion and Analysis and Operating Results for Quarter / Dear: The President The Stock Exchange of Thailand Filter Vision Public Company

(Translation) May 15, 2019 Ref: SET-2019-008 Re: Management Discussion and Analysis for Quarter 1’ 2019 Attn. to: President The Stock Exchange of Thailand Filter Vision Public Company Limited and its

upgrade and 4) interest cost saving. Even though there was a 5.3% y-on-y increasing gas cost per unit in 2019 while a sight increase in Ft charge. • NNP / NNP - owner of the parent increased 118.4% / 94.5

Policy • Environmental Management Experience Sharing • Environmental Report AGENDA 4 Confidential BANK OF SUSTAINABILITY KASIKORNBANK Vision, Purpose and Culture To Empower Every Customer’s Life and