The Code of Conduct of the Kiatnakin Phatra Financial Group ("the Group") serves as a guiding framework for personnel at all levels across the Group, reflecting its commitment to conducting business with the aspiration to "lead rather than follow," focusing solely on areas in which the Group has expertise and competitive strength, in order to create value for customers, stakeholders, and society. This is guided by the philosophy of "aligning individual interests with the common good," together with the principle of "growing together with the success of customers and society," in alignment with the Group's vision and corporate values. The Code of Conduct is built upon four core principles, as follows:

1. Sustainable Growth — Conduct business under the belief that "We may not be able to change the world, but we can make it better," fully embracing ESG principles by reducing environmental impact, strengthening society, and enhancing good corporate governance.
2. Honest Business Practices — Reject all actions that violate the law or ethical standards, such as bribery, abuse of authority, and conflicts of interest.
3. Equal Opportunity, Transparency, and Fairness — Respect human rights, prohibit discrimination, provide safe channels for reporting concerns or providing information, and foster a culture of constructive openness.
4. Professional Conduct — Perform duties efficiently and in an auditable manner, encompassing the protection   of critical information, and maintain business continuity plans (BCP) to address unforeseen events. 

By upholding these four core principles, the Group is committed to maintaining the highest ethical standards in order to create sustainable value for customers, shareholders, society, and the environment, now and into the future.