, and the “cashless society” programs in our partner universities. Moreover, KBank initiated additional benefits, especially discounts from our partners who sell sports equipment, for K-Debit Cardholders

the past year, which required additional debt financing, leading to higher interest expense. Reported share of loss from associates/JVs was THB 23mn, largely due to a share of loss THB 30mn from Sansiri

34,251 Warrants 14 14 Additional (Discount) paid in capital: Share discount (10,163) (10,163) Premium on capital reduction 206 206 Retained earnings (deficit) Appropriated: Legal reserve 764 764

48,776 Issued and paid-up share capital 34,251 34,251 Warrants 14 14 Additional (Discount) paid in capital: - - Share discount (10,163) (10,163) Premium on capital reduction 206 206 Retained earnings

48,776 48,776 Issued and paid-up share capital 34,251 34,251 Warrants 14 14 Additional (Discount) paid in capital: Share discount (10,163) (10,163) Premium on capital reduction 206 206 Retained earnings

31 December Additional (Discount) paid in capital: Share discount (10,163) (10,163) Premium on capital reduction 206 206 Retained earnings (deficit) Appropriated: Legal reserve 764 764 Unappropriated

0% Warrants 14,050 14,050 0% Additional (Discount) paid in capital: Share discount (10,163,276) (10,163,276) 0% Premium on capital reduction 206,307 206,307 0% Retained earnings (deficit) Appropriated

additional provision of THB 20 Million due to increase in the benefit of employees who have past service of 20 years or more from 300 days to 400 days according to the announcement of Labour Protection Act

agreements, the company was required to maintain its D/E ratio of not higher than 2 .0 times. For the long-term loan agreements, there is additional condition to maintain DSCR of not less than 1.1 times. 3

well as the subsidiary’s land and buildings as additional collateral for repayment in the amount of 400 million baht, until the Company can repay the debt. Subsequently, the mortgagee (debenture