. Loaned amount was reserved to mitigate liquidity risks in business operations. The Company shall continue to monitor the pandemic situation in core markets and reduce the loaned amount accordingly. Nine

sustainable growth and returns while maintaining our market leadership under sound corporate governance and appropriate risk management. Guided by our core strategies of “Customer Centricity”, KBank has decided

of a holding company, the sizes of the company operating the core business and the others shall be specified in comparison to the specified sizes under relevant regulations. Should the ratios do not

relevant to its core or non-core businesses upon conditions that they have an apparent outsourcing policy, measures, criteria, and service provider control system.  Outsourcing however does not discharge

growth and returns while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity” and making KBank the Customers’ Main Bank for all eight customer

and within the established targets. Our net interest margin (NIM) equaled 3.43 percent – slightly higher than the preceding quarter. Our cost to income ratio rose marginally from the previous quarter to

system and IT security. Guidelines for operating non-core businesses are also open to public comments.The consultation paper is available at www.sec.or.th. Stakeholders and interested parties are welcome

terms of % to revenue improved from 7.5% in Q4 2021 to 5.9% in Q4 2022. Core operating profit (defined as Earnings before Interests and Taxes exclude interest income, gain (loss) on exchange rate and

2023 while our revenue increased by 15.9%. SG&A in terms of % to revenue improved from 6.5% in Q2 2022 to 5.8% in Q2 2023. Core operating profit (defined as Earnings before Interests and Taxes exclude

financial ratios. In the case of the Company in an industry with specific ratios such as an average occupancy ratio (in case of hotel business), such ratios must be presented additionally. Information Quarter