maintain THE PREMIER as the top-of-mind brand, as well as our status of Customers’ Main Bank. To this end, we focused on the launch of products that meet all of our new-generation customers’ needs, whether

controlling power and the nature of business during the preceding year as well as the material changes in the shareholding structure, management or business operation or any other important events (e.g., merger

required to sumbmit such attachments to the Stock Exchange of Thailand (SET) as well. - 3 - SEC Classification : ใชภ้ายใน (Internal) Part 1 Business Operation and Operating Results 1. Organizational

1,978.5 billion, a decrease of 1.3 percent from the end of 2017, due to business and consumer loans, as well as loans made through the Bank’s international network. The ratio of non-performing loan (NPL

be at 428,561 tons in 4Q2019, an increase of 84,307 tons or 24%. The main factors were that major vehicle manufacturers have announced their readiness to comply with B20 and continually have promoted

of goods resulted from clearance sales of old products and seasonal decorations products as well as selling a big lot of low margin project sales. As a result, inventories have decreased significantly

Exchange of Thailand on December 16, 2019, and the transition from state enterprise to a fully commercialized public company. The main objective is to establish the efficiency and strength to our core

BIS ratio will increase to 17.95% while Tier-1 ratio will be 14.80%. 11 Business Segment Performance The Kiatnakin Phatra Financial Group (“the Group”) business is divided into two main areas: the

BIS ratio will increase to 17.94% while Tier-1 ratio will be 14.79%. 11 Business Segment Performance The Kiatnakin Phatra Financial Group (“the Group”) business is divided into two main areas: the

disclosure of information in such manner is complied with, as well as compliance with the commitments specified in the depositary agreement; (d) additional work system relating to appointment of foreign