points of the criteria can be summarized as follows:  Banks are allowed to conduct customer identity verification either in-person or remotely via the National Digital ID Platform (NDID).  To verify

encourage active co-operation between companies and employees.  Securities regulators, stock exchanges, self-regulatory organisations and investor groups should continue to educate companies and the public

and respect for human rights, including a fair level of remuneration and other benefits, a level of welfare that is not less than the legal limit (but can be over the legal limit where appropriate), hea

from split sites to ensure continuity of mission critical activities at not less than two buildings, in case one of the two sites must be closed or employees are ordered to self- quarantine.  Adjust

:  Permission Given to Commercial Banks to Act as Identity Provider or Source of Data in the Digital Format The Bank of Thailand (BOT) issued circular Ref. No. BOT.ForKorKor. c.2053/2561 (2018) Re: Permission

.  No. 4 – Revision has been made to remove restrictions and minimize service users’ burden for proof of identity and identity verification. (Previously, service users had to be present in order to submit

encourage customers to conduct transactions at self- service machines. For the greater convenience of our foreign clients, various languages are available at ATM machines. At the same time, we prioritized

harness financial self-discipline through the offering of a special interest rate, as seen earlier last year, along with K-Personal Loan with preferential interest rates at Baht 2.25 per Baht 10,000 daily

Offices 8 8 Cheque Direct Service 33 33 Electronic Banking Services Number of Units Jun. 2018 Mar. 2018 Self-Service Channel (K-ATM and K-CDM) 11,806 11,868 K-ATM (Automated Teller Machines) 9,191 9,270 K

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 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...