until the gross profit being reported differently from the previous periods Operating Highlights in Q4/2019 & 2019 Q4/18 Q3/19 Q4/19 Change +/(-) 2018 2019 Change+/(-) (Unit: Million Baht) QoQ YoY

financial statements and operation result of Nam San 3A for fiscal year of 2016, 2017 and 20183 (using the average exchange rate being at LAK 291.46 to THB 1 as of 17 January 2020 announced by the Bank of

ต้นทุนค่าเสื่อมราคาและค่าตัดจ าหน่าย Operating highlight in Q2/2018 Q2/17 Q1/18 Q2/18 Change +/(-) 1H/17 1H/18 Change +/(-) (THB million) QoQ YoY YoY Operating revenue 5,459 5,716 6,563 15% 20% 10,825

loss and its movement shall be recognized to reflect the change of credit risk since initial recognition.  Hedge accounting which determines the type of transactions eligible for hedge accounting

from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

Nation U Co., Ltd., the subsidiary of the Company, and change in the accounting policy regarding the record of the land valuation To: Director and Manager The Stock Exchange of Thailand (SET) Attachment

million or 16.5 percent from Baht 975.56 million in the 3 rd quarter of 2017. The change was due to the decreased lease receivable, calculated according to the Effective Interest Method. =., Other income

Consolidated Separate Amount Change Amount Change Q1.2020 Q1.2019 Amount % Q1.2020 Q1.2019 Amount % Revenue from sale – net 289.72 352.86 -63.14 -17.89% 287.55 352.69 -65.14 -18.47% Profit from the exchange rate

forecast general economic conditions. (in thousand Baht) Allowance for impairment losses 31 December 2019 30 June 2020 Change Consolidated financial statements 1,055 3,756 2,701 2. Thai Financial Reporting

THB 1,376 million is presented in the separate profit and loss statement for fiscal year 2017 relating to investment in WCI Holding Company Limited. As the performance of subsidiary company has not been