. Due to the company has the potential of investment capital, debt collection systems and human resources in operation. Including being a business partner with financial institutions in help keep track of

increase liquidity and enhance operating result of the Company as the Company's group can leverage existing resources, as well as expertise and experiences of the Company’s executives and personnel for

Products 23 - Natural Resources Statement of Cash Flows Statement Financial Ratios Environment Management Accounting Statement of income 11 Financial Position 32 Management’s Perspective towards 2020

31 December 2018, mainly due to net loss performance. 5. Liquidity and Capital Resources Current Ratio As at 31 December 2019, the Company and its subsidiaries recorded current ratio of 0.64x, a

appliances. Therefore, the Company has allocated resources and services to facilitate and support consumer’s needs and provide products promptly amid the uncertainty and constrained situation. Financially, the

Bt1,551mn, decreasing -2.4% YoY and -0.8% QoQ from other service revenue while enterprise business growing 2.2% YoY and 0.7% QoQ from focusing resources on deals and products that generate higher margins

revenue by leveraging its resources across various financial products and services. 31% 34% 36% 36% 50% 47% 45% 44% 5% 5% 5% 5% 14% 14% 14% 17% 2021 2022 2023 9M24 Credit Card Personal Loan Hire Purchase

& Trading Business Group 12 Marketing Business Group 13 Power Plant Business Group 16 Bio-Based Products Business Group 18 Natural Resources Business Group 20 Statement of Financial Position 22 Cash Flows

obtain such capital transfer continuing from other retirement funds. Clause 48 The fact sheet of the prospectus shall display, at the top of the first page, a symbol or statement informing investors that

Phatra Securities. The stock symbol for Kiatnakin Phatra Bank Public Company Limited will remain the same as KKP. Previous Name New Name Kiatnakin Bank Public Company Limited Kiatnakin Phatra Bank Public