% Common Equity Tier-1 capital funds The Bank 34,673.7 19.482 34,101.4 18.673 Minimum rates required by law* 6.375 5.750 The Difference 13.107 12.923 Tier 1 capital funds The Bank 34,673.7 19.482 34,101.4

% Million Baht % Common Equity Tier-1 capital funds The Bank 34,148.8 17.668 34,578.3 16.481 Minimum rates required by law 7.000 7.000 Variance 10.668 9.481 Tier 1 capital funds The Bank 34,148.8 17.668

% Million Baht % Common Equity Tier-1 capital funds (Revised) The Bank 33,643.0 16.899 33,959.5 17.068 Minimum rates required by law 7.000 7.000 The Difference 9.899 10.068 Tier 1 capital funds The Bank

. Focusing on the ‘4D’ strategies, namely Diversification, Defensive, Duration and 13 Discipline, we thus launched K Fixed Income Plus Fund (K-FIXEDPLUS), K Global Income Fund (K-GINCOME), K STAR Equity Fund

in line with thriving exports, and capital inflows into Thailand’s debt and equity markets, which was consistent with fund inflows seen in other emerging markets. Given these, the Thai Baht

Impairment Loss on Loans and Debt Securities 7,995 7,819 176 2.26 10,626 (2,631) (24.76) Net Profit (attributable to equity holders of KBank) 10,917 10,766 151 1.40 8,986 1,931 21.49 Basic Earnings per Share

common understanding of the Statement of Corporate Governance Principles, compliance with regulatory requirements and internal control guidelines - Arranging orientation sessions on good corporate

2.70 10,405 (2,194) (21.09) Net Profit (attributable to equity holders of KBank) 9,744 10,917 (1,173) (10.75) 9,473 271 2.85 Basic Earnings per Share (Baht) 4.07 4.56 (0.49) (10.75) 3.96 0.11 2.85 When

Other Operating Expenses 15,851 15,224 627 4.12 15,647 204 1.31 Impairment Loss on Loans and Debt Securities 10,626 9,133 1,493 16.36 8,721 1,905 21.85 Net Profit (attributable to equity holders of KBank

our credit management standards.  Market Risk Management Market risk may arise from changes in interest rate, foreign exchange, equity and commodity prices, as well as credit spreads. These changes