Derivative Warrants | KTC41P2608A | DERIVATIVE PUT WARRANTS ON KRUNGTHAI CARD PUBLIC COMPANY LIMITED ISSUED BY JPMORGAN SECURITIES (THAILAND) LIMITED LAST TRADING IN AUGUST 2026 # A | Stock in SET50

Derivative Warrants | KTC01C2612A | DERIVATIVE CALL WARRANTS ON KRUNGTHAI CARD PUBLIC COMPANY LIMITED ISSUED BY BUALUANG SECURITIES PUBLIC COMPANY LIMITED LAST TRADING IN DECEMBER 2026 # A | Stock in

million. Moreover, there was increase in other assets of Baht 12.92 million from the increase in accounts receivable – credit card and deposit for goods. However, inventories decreased by Baht 8.41 million

: Million Baht 3Q/18 2Q/19 3Q/19 %QoQ %YoY 9M18 9M19 %YoY Credit card income Loan income Hire-purchase income Other income 1,914 2,689 111 511 1,887 3,020 173 584 1,897 3,048 192 841 1% 1% 11% 44% -1% 13% 73

Card In the first half year of 2019, credit cards turnover accounted 63% of total turnovers with revenue of 3,754 million baht, an increase of 222 million baht or 1% y-y. In the second quarter of 2019

/2023 of 2023 to 90.9 in 2Q/2023. For the 3Q/2023, the Company has total new sales and credit card spending increased by 5 % y-y, mainly due to the continual increase in credit card spending and marketing

4.1% of service revenue. • Depreciation & amortization was Bt12,783mn, decreasing -1.4% YoY and -1.4% QoQ due to fully depreciating of some 3G equipment, while AIS continued investing to expand 5G

profit was Bt104.3mn, decreasing 28.2% YoY • Total revenue from core business was Bt667mn, decreasing 17.1% • Banking agent business (of which the Company is the agent for 6 commercial banks: KTB, KANK

customer privacy. Being aligned with our business strategies, KBank and subsidiaries thus reported that net profit for the first quarter of 2019 totaled Baht 10,044 million, decreasing Baht 722 million or

Company also complies with the Bank of Thailand to provide the relief measurements to assist our customers by reducing minimum payment for credit card and personal loan as well as providing a grace period