the first runway and the second runway D) Apron Taxiway for passengers and cargo transportation E) Air Freight and Logistics Center F) Public utilities prepared by contractual party G) Ground services 2

2025 2026 Construction period Land reclamation Land reclamation 2027 Construction preparation 2nd runway & taxiway preparation Begin operation of new Runway/ Terminal 2 & phase 1 of Airport City Begin

of the government in shaping laws and regulations for the zero-dollar tours to suppress illegal tourism companies. The runway closure for maintenance at BKK for about 60 days. The development of

ไดรั้บผลกระทบเชิงลบจากปัจจยัภายนอกหลายประการ ไดแ้ก่ มาตรการการจดัระเบียบทวัร์ศูนย์ เหรียญของรัฐบาลในการปราบปรามบริษทัท่องเท่ียวท่ีทาํผิดกฎหมาย การปิดปรับปรุงพื้นผิวทางวิ่ง (Runway) ท่ี ท่าอากาศยาน

tourists, compared to 5,872,145 people in the pre-COVID-19 period (Jan-Feb 2020), as travel restriction remained in place. In 2021, the recovery of the Thai economy is expected to be fragile and uneven

geopolitical situations remain risk factors affecting economic activities of Thailand’s trading partners. At the same time, uneven recovery of household purchasing power may be further hindered by the floods in

only gradually picked up. Even then, such growth remained uneven; improvement was seen only in certain businesses and in some areas. On the downside, however, trade policy uncertainty, in particular

durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our

was uneven, with improvement concentrated in only certain industries. Under these circumstances, KBank has developed effective credit risk management policies, tools and processes to cope with potential

businesses. Focus has been on formulating area- based lending strategies given the uneven economic recovery. We continued to prioritize risk assessment through prudent screening and close monitoring of