affect KBank business operations, as well as impacts of climate change, to ensure sustainable growth and reasonable returns to stakeholders. 12 In 2019, KBank focused on customer service and credit risk

businesses. We also prioritize risk assessment through prudent screening and close monitoring of borrowers. At the same time, KBank has focused mainly on borrowers with good track records, as well as existing

sustainable growth and reasonable returns to stakeholders. In 2018, KBank focused on customer service and credit risk management for every customer segment. Customers’ businesses were challenged by

sales, sales in the Company’s major focused countries still could continue to grow.  Export CMG sales decreased by c.45% YoY, since there was some customer ending the distribution contract with some

’ loans, and focused mainly on borrowers with good track records, and existing low-risk customers. 2.2 Market Risk Management During this quarter, the Thai and US interest rates moved in accordance with the

focused on continuous expansion of dialysis unit. On the past 29 th September, 2017 the subsidiary additionally purchased assets from business of a dialysis unit which is business expansion as a plan laid

declined SGA (-15% yoy, -6% qoq). Our reported NPAT was 7bn, +0.6% yoy and +6% qoq. Excluding one-time items, normalized NPAT was 6.6bn, -5%yoy and flat qoq. Focused on 5G leadership in network and customer

lending policies to match each industry to be better suited to the prevailing circumstances. At the same time, KBank has remained cautious in credit underwriting of retail customers’ loans, and focused

with growth higher than the Bank in-house research forecasted of 8.0%. The number of new car sales for the first 11 months of 2017 totaled 767,345 units, a growth of 12.5% with the growth for the

showed continuous recovery with growth higher than the Bank in- house research forecasted of 8.0%. The number of new car sales for total year 2017 totaled 871,647 units, a growth of 13.4% with the growth