forecast. Exports of goods would decline in line with trading partner economies and potential impacts of regional supply chain disruptions.*  However, the Company sees that the lower interest rate also

Business 4 ASIA’S BOUTIQUE AIRLINE In June 2020, Bangkok Aviation Training Center (BATC), a subsidiary of Bangkok Airways Public Company Limited, as an IATA Regional Aviation Training Partner, received a

Ref. No. IVL 003/08/2020 13 August 2020 The President The Stock Exchange of Thailand Subject: Submission of Quarterly Review of Financial Statements and the Management Discussion and Analysis of

2,518 million, or 3.94 percent, over-year. Moreover, KBank has set aside higher allowance for impairment loss on loans to maintain our financial position stability. Therefore, our net profit for 2017

1 Ref. No. IVL 007/08/2017 9 Aug 2017 The President The Stock Exchange of Thailand Subject: Submission of Quarterly Reviewed Financial Statements and the Management Discussion and Analysis of

Table 10 IVL Consolidated Statement of Financial Position 19 List of Figures Figure 1 PTA-PET Integrated Margin ($/MT) 7 Figure 2 Regional Performance 10 Figure3 Repayment Schedule of Long Term Debt 17

Subsidiary (together referred to as “Corporate Group”) would like to clarify on the operating results according to the consolidated financial statements of Year 2017 for the year ended December 31, 2017 as

margin 40.5% 47.4% 40.6% 45.2% Net profit margin 22.4% 25.5% 27.1% 21.5% Adjusted net profit margin 23.7% 27.1% 24.7% 24.5% Note: The Company restated its 4Q 2016/17 and 2016/17 financial performance after

PowerPoint Presentation MANAGEMENT DISCUSSION & ANALYSIS A f t e r Y o u P u b l i c C o m p a n y L i m i t e d Q3/2021 Financial PerformanceExecutive Summary Significant Events Management

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership