audit fee for the year 2020. Management Discussion and Analysis, Quarter 1 Ending 31 March 2020 The clarification on the Company’s operating results for the first quarter of 2020, which can be summarized

new government. Furthermore, digital disruption continued to negatively impact certain business operators’ income and operating costs. Under these circumstances, KBank put in place more stringent

-1- AIT (VP-SEC) 005E/2022 21 February 2022 Subject: Management's Discussion and Analysis of Operating Results for the year 2020 and Q4-2020 To: The President of the Stock Exchange of Thailand

-1- AIT (VP-SEC) 005E/2022 21 February 2022 Subject: Management's Discussion and Analysis of Operating Results for the year 2021 and Q4-2021 To: The President of the Stock Exchange of Thailand

consolidated reviewed the 3 rd quarter financial statements as of November 30, 2019 which were reviewed by Deloitte Touche Tohmatsu Jaiyos Audit Company Limited. The operating performance is summarized as

government bond or other assets as notified by the Office. The calculation of collateral value shall be made in accordance with the notification of the Office; (2) the deposition of collateral which is

paragraph, arrange for collateral to be provided by the borrower in accordance with the rules as follows: (1) the collateral shall be cash in Thai Baht, letter of credit, Thai government bond or other assets

Baht, letter of credit, Thai government bond or other assets as notified by the Office. The calculation of collateral value shall be made in accordance with the notification of the Office; (2) the

take-home products. Executive Summary 2 Overall Operating Results of the Company in Q3/2020 Q3/19 Q3/20 9M/19 9M/20 Change +/(-) (THB million) YoY 9M Operating Revenue 312 198 (37%) 911 561 (38%) Gross

AIT (SVP-SEC) 015E/2016 May 9, 2017 Subject: Management's Discussion and Analysis of Operating Results for Q-2016 To: The President of The Stock Exchange of Thailand Summary of Operations Q1- 2016