class, rapid digital penetration, high credit growth4 and large unbanked population5 • Aligns with the Bank’s international strategy to transform into a leading regional bank with larger presence in key

(FETCO), said: “The introduction of the Investment Scam Hotline will significantly enhance the efficient and rapid prevention of public deception, thanks to the collaborative efforts of relevant agencies

and improvements in liquidity risk management processes at KBank and K Companies, these actions are consistent with economic circumstances and rapid changes in financial asset prices. We continue to

bearing liabilities – cash and cash equivalents 2) Leverage Q4 and FY use annualized EBITDA for the previous 4 quarters 3) ROFA = (Net profit + Depreciation)/ Average (Q4 2019 and Q4 2018) of property

Net Debt/Equity Ratio 0.44 0.19 0.44 0.19 Leverage (Net Debt/EBITDA) 1.72 0.91 1.48 0.60 Note: 1) Net Debt = Interest bearing liabilities – cash and cash equivalent 2) Leverage Q4 uses annualized EBITDA

Note: 1) Net Debt = Interest bearing liabilities – cash and cash equivalents 2) Leverage Q2 and FY use annualized EBITDA 3) ROFA = (Net profit + Depreciation)/ Average (Q2 2018 and Q4 2017) of property

DISCUSSION AND ANALYSIS FOR PERIOD ENDED 30 JUNE 2019 4. Financial Ratios Note: 1) Net Debt = Interest bearing liabilities – cash and cash equivalents 2) Leverage Q2 and FY use annualized EBITDA 3) ROFA = (Net

Debt = Interest bearing liabilities – cash and cash equivalent 2) Leverage Q1 uses annualized EBITDA 3) ROFA = (Net profit + Depreciation)/ Average (Q1 2018 and Q4 2017) of property, plant and equipment

ทะเบียน แต่จากกฎเกณฑ์ปัจจุบัน ผู้ลงทุนยังไม่สามารถ leverage การลงทุนดังกล่าวผ่านการกู้ยืมหรือเพ่ิมอ านาจซื้อหลักทรัพย์ดังกล่าว เมื่อน ามาวางเป็นหลักประกันเพ่ิมได้ ในขณะที่การลงทุนในหลักทรัพย์จดทะเบียน ผู้

– cash and cash equivalents 2) Leverage Q2 and FY use annualized EBITDA for the previous 4 quarters 3) ROFA = (Net profit + Depreciation)/ Average (Q2 2020 and Q4 2019) of property, plant and equipment Mr