materially cut down sales expenses from the previous year in alignment with the drop in sales revenue. Nevertheless, some of the sales expenses took time to adjust and did not fully reflect the slowdown in

slash operating costs through low interest rates plus longer loan terms. In alignment with the government’s policy of a cashless society, KBank has granted support to card accepting merchant business

particular emphasis on the alignment with the 20-Year National Strategy (2018- 2037),  the 12th National Economic and Social Development Plan (2017 - 2021), including 23 master plans and the policy

single brand of KASIKORNBANK. In alignment with our business strategies for 2019, KBank and subsidiaries thus reported Baht 38,727 million in net profit, increasing Baht 268 million or 0.70 percent

Considering an Application to Approve to List Newly Issued Ordinary or Preference Shares as Registered Securities B.E.2558, dated May 11, 2015 (as amended). In order to be in compliance with the condition under

Approve to List Newly Issued Ordinary or Preference Shares as Registered Securities B.E.2558, dated May 11, 2015 (as amended). 8 เลขท่ี 1 อาคาร ทีพี แอนด์ ที ชัน้ 14 ซอยวิภาวดีรังสติ 19 14th Floor, TP&T

, Condition, and Procedure in Considering an Application to Approve to List Newly Issued Ordinary or Preference Shares as Registered Securities B.E.2558, dated May 11, 2015 (as amended). 8 เลขท่ี 1 อาคาร ทีพี

THB 3,511mn. The key components were (i) cash received from issuance of preference shares of THB 9,695mn, (ii) cash received from long-term loans from financial institutions of THB 1,061mn and (iii

traded on the SET for six months according to the Notification of the Stock Exchange of Thailand Re: Criteria, Conditions, and Procedures Governing the Listing of Ordinary or Preference Shares Issued for

Notification of the Stock Exchange of Thailand Re: Criteria, Conditions, and Procedures Governing the Listing of Ordinary or Preference Shares Issued for Capital Increase, B.E. 2558 (2015) and the Circular