income decrease both in the three-month period and the six-month period by Baht 1.67 million and Baht 3.05 million respectively, due to more delivery of raw milk to the customers compared to those of the

more delivery of raw milk to the customers compared to those of the same periods last year both in the three-month period and the nine-month period. The decrease were 9.40% and 9.38% respectively. 1.2

increase both in the three-month period and the six-month period by Baht 0.06 million and Baht 3.32 million respectively, due to more delivery of raw milk to the customers compared to those of the same

13.58% from the same period of previous year. This was due to decrease in the delivery of pre-stressed concrete piles, post-tensioned and special cement which was Baht 101.24 million. However, the

Million Baht increase or 24.99% when compared to same period of previous year which had revenue of 201.48 Million Baht due to more delivery  Profit from investment of 42.47 Million Baht as unrealized gains

dine-in areas resulting in higher proportion of take-home products and orders via food delivery services, which have lower margins than dine-in products, as well as the sales of raw material to Mikka

mainly on borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Overall, movements in foreign exchange and interest rates at home and abroad remained

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 low-risk customers

in court regarding the delivery of the enforcement order and writ of execution, shortening the legal execution procedure. By setting a definite timeframe, the law narrows the chance of utilizing legal

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