expansion is still subjected to the rising cost of living, in which the inflation rate in 4Q/2022 reached 5.8%, the household debt ratio is considered high amid the increasing trend of interest burden but

from bond issue on August 2017. Net Interest-bearing Debt in 3Q2017 was Baht 7,589.7 million, decrease from Baht 10,292.9 million in 3Q2016 presenting the Net Interest-bearing Debt-to-Equity ratio of

baht. The Company debt to equity ratio stood at 1.18 times and the interest bearing-debt to equity ratio is 0.94 times and lowers than the same period last year. JAS Asset Management Discussion and

quarter of 2023 are 2.6% and 10.7%, respectively. Key Financial Ratio 1Q22 4Q22 1Q23 Net Profit Margin (%) 20.3% 12.5% 11.3% Debt-to-Equity ratio (Times) 3.3 3.1 2.9 Cost to Income (%) 37.1% 37.1% 37.2% EPS

probable forward looking macroeconomic factors and also set additional management overlay in the previous quarter. The non- performing loan ratio was 3.88% slightly increased from the previous quarter due to

Management Discussion and Analysis For the fourth quarter and year ended December 31, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

the end of 2018. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 2Q19 increased to 4.2% from 4.1% at the end of 2018. On Special Asset Management business, the Bank sold non

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

purchase segment. For asset quality, the Non- Performing Loans (NPLs) to total loans ratio for 3Q19 remained stable at 4.2% from the end of 2Q19. On Special Asset Management business, the Bank sold non

. For asset quality, the Non- Performing Loans (NPLs) to total loans ratio for 3Q19 remained stable at 4.2% from the end of 2Q19. On Special Asset Management business, the Bank sold non-performing assets