1,260 6% Net profit 2,928 2,437 2,816 (4%) 16% 8,686 8,068 (7%) Excluding non-recurring items 2,720 2,669 2,916 7% 9% 8,478 8,454 (0%) Earnings per basic share (THB) 0.65 0.54 0.63 (4%) 16% 1.94 1.80 (7

1,073 35% Net profit 2,470 4,592 467 (81%) (90%) 5,317 5,059 (5%) Excluding non-recurring items 2,601 2,501 (611) (123%) (124%) 5,403 1,890 (65%) Earnings per basic share (THB) 0.55 1.02 0.10 (81%) (90

operating results for year 2019. 2. Resolved to propose to 2020 Annual General Shareholder Meeting to consider and approve the omission of appropriation of earnings for legal reserve and the omission of the

the operating results for year 2019. 2. Resolved to propose to 2020 Annual General Shareholder Meeting to consider and approve the omission of appropriation of earnings for legal reserve and the

% Net profit 2,470 4,592 467 (81%) (90%) 5,317 5,059 (5%) Excluding non-recurring items 2,601 2,501 (611) (123%) (124%) 5,403 1,890 (65%) Earnings per basic share (THB) 0.55 1.02 0.10 (81%) (90%) 1.18

equal information access for all investors, as deemed necessary and useful. In any case, the Company has the duty and responsibility to disclose accurate and sufficient information that should be informed

making of investors significantly or ensures equal information access for all investors, as deemed necessary and useful. In any case, the Company has the duty and responsibility to disclose accurate and

certifies that the information contained in this Information Memorandum is true, complete and accurate in all respects; no material information that should be clarified is missed and it will not mislead other

, including setting a baseline for responding to complaints, beginning with the most frequent topics, for the sake of a common process. These standards help to engender accurate and appropriate customer

initiatives included: 1) Non-Voice Channel & Self Service: The Chat Bot program has been developed to promptly provide accurate data related to KBank products, for greater service efficiency with enhanced