Continuously Seeking for New Markets International Organization for Standardization EnvironmentE SocialS GovernanceG Hazard Analysis and Critical Control Point Good Manufacturing Practices-GMP Halal standards

non-recurring items, namely the insurance claim from the terrorism risk protection amounted THB 3,500 mn, the conversion of CPN Retail Growth Leasehold Property Fund (“CPNRF”) into CPN Retail Growth

exchange risk protection and up-to- date information on the currency situation. For customer potential development, KBank has encouraged our clients to acquire business partners in the form of B2B (Business

and users. Worse, technology risk may lead to credibility risk, security risk and system stability risk, which could eventually harm the Bank’s financial standing. KBank has established sandbox testing