audit firm; (2) Not required if another auditor affiliated with the same audit firm has submitted an application and the document to the SEC Office, provided that there is no material change to the

-2023 Balance by Quarter Change Q3-23 Q2-23 Q3-22 Q3-23 VS Q2-23 Q3-23 VS Q3-22 (Million Baht: MB) (MB) % (MB) % Total revenue 1,704.9 1,703.0 1,886.5 1.9 0.1 (181.6) (9.6) Total operating expenses

income and cost of sales resultin g in the operating income until the gross profit being reported differently from the previous periods Operating Highlights in Q3/2019 Q3/18 Q2/192 Q3/19 Change +/(-) 9M/18

depreciation and amortization expenses Financial Performance Project UpdatesExecutive Summary Change QoQ YoY +/(-) Operating revenue 5,553 5,366 5,459 2% (2%) 11,037 10,825 (2%) Gross profit 1,251 1,098 1,256 14

loss and its movement shall be recognized to reflect the change of credit risk since initial recognition.  Hedge accounting which determines the type of transactions eligible for hedge accounting

from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

million or 16.5 percent from Baht 975.56 million in the 3 rd quarter of 2017. The change was due to the decreased lease receivable, calculated according to the Effective Interest Method. =., Other income

Consolidated Separate Amount Change Amount Change Q1.2020 Q1.2019 Amount % Q1.2020 Q1.2019 Amount % Revenue from sale – net 289.72 352.86 -63.14 -17.89% 287.55 352.69 -65.14 -18.47% Profit from the exchange rate

1H/2019 1H/2020 Change THB million % THB million % THB million % Revenue from services 1,751.8 100.0% 1,151.6 100.0% (600.1) (34.3%) Costs of services 1,087.4 62.1% 785.4 68.2% (302.1) (27.8%) Gross

forecast general economic conditions. (in thousand Baht) Allowance for impairment losses 31 December 2019 30 June 2020 Change Consolidated financial statements 1,055 3,756 2,701 2. Thai Financial Reporting