improvement. Compared to the prior quarter, the figures edged higher in line with increased brokerage fees from securities business, bancassurance fees and management fees. NPLs to total loans edged up slightly

and foreign exchange transactions enjoyed steady growth. Meanwhile, our impairment loss on loans and debt securities grew at a decelerating rate in line with NPLs to total loans which declined slightly

. As of September 30, 2019, KBank and subsidiaries had total assets worth Baht 3,240,134 million, rising Baht 85,043 million or 2.70 percent from the end of 2018. The increase came mainly from rising net

decline as a result of cancellation of fees on financial transactions via digital channels and a decrease in net premiums earned. Given that non-performing loans to total loans in this quarter crept

with non-performing loans to total loans, which inched higher from the prior quarter and the end of 2016. Meanwhile, net fees and service income posted an increase from the previous quarter and the same

expenses as they were required to set aside reserves for employee welfare benefits in compliance with the amendment to the new Labor Protection Act. Meanwhile, NPLs to total loans edged up slightly from the

THB 1,100 million, respectively. However, the elimination of related parties’ transaction resulted in the consolidated financial statement showing total investment in subsidiaries of THB 0.  Investment

41% QoQ, primarily due to the total GRM which soften to 4.18 USD/BBL (Q2/2016 8.79 USD/BBL, Q1/2017 7.96 USD/BBL). In this quarter, Consolidated Statement of Income Q2/2016 (Restated) Q1/2017 Q2/2017

2018 2019 2021 Asia EMEA Americas Core EBITDA Margin (%) Core ROCE (%) Core EBITDA By Region ($m) Note: Total of each segment may not always tally with consolidated financials due to holding segment

2018 Separate financial statements Consolidated financial statements Separate financial statements Consolidated financial statements Separate financial statements Consolidated financial statements Total