included K Enhanced Credit 1 Fund Not for Retail Investors (KEC1-U1), K Global Private Equity 19A Fund Not for Retail Investors (K-GPE19A-UI), K Thai Fixed Income 4 Years A Fund Not for Retail Investors

ratio in this quarter stood at 49.31 percent. KBank also set aside a higher expected credit loss of Baht 3,047 million compared to the preceding quarter, with prudent consideration of factors in line with

Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 6 2.1 Credit Risk Management 6 2.2 Market Risk Management 6 2.3 Liquidity Risk Management 7 2.4 Other Risks Management

7.23 Other liabilities 37.27 32.79 4.48 13.66 Total liabilities 143.13 131.51 11.62 8.83 Total shareholders’ equity 1,506.14 1,491.26 14.87 1.00 Total liabilities and shareholders’ equity 1,649.26

244.45 (10.45) Finance Cost 26.69 30.80 (13.34) Net Profit 129.08 189.79 (31.99) (Unit : Million Baht) Financial statements in which equity method is applied 2018 2017 % Change Sales and Service Income

41 66 (38) Finance Cost 6 8 (25) Net Profit 51 38 34 (Unit : Million Baht) Financial statements in which the equity method is applied Q3/2018 Q3/2017 % Change Sales and Service income 462 514 (10) Cost

22.88 Deposits 2.61 2.11 0.50 23.70 Deferred tax assets 1.23 1.08 0.15 13.89 Total non-current assets 747.10 682.43 64.67 9.48 Total assets 1,533.61 1,487.60 46.01 3.09 Liabilities and equity Current

-42.3% Finance income 30.6 2.9 27.7 963.2% Finance cost -107.3 -91.3 -16.0 17.5% Income tax expenses -22.1 -74.4 52.3 -70.3% Net profit (loss) attributable to equity holders 319.5 561.8 -242.3 -43.1% Net

that in the third quarter of 2017, credit demand from the business sector increased from the previous quarter, mostly due to SMEs’ requirements for working capital and inventory production. Demand for

Total Shareholders’ Equity 9,443.25 63.06 10,779.09 66.70 12,160.98 70.03 Total Liabilities and Shareholders’ Equity 14,976.32 100.00 16,160.33 100.00 17,365.56 100.00 Comprehensive Income Statements of