considering the balance of three dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. Along with this, we have prioritized

% 63 (119) -290% Elimination (52) (3) (7) (99) (10) Profit attributable to owners of the Company 993 1,146 1,007 1% -12% 3,076 2,153 -30% Basic earnings per share (Baht) 0.72 0.83 0.73 2.23 1.56 Note: 1

Statement Cash Flows Statement Accounting Financial Ratios Business Performance Executive Summary Statement of Income 19 of Financial Position Environment Management 3 3 | Management Discussion and Analysis

several measures across our business units to minimize the impact on our profitability and maintain financial flexibility. Current business environment 1. Thailand: We temporarily closed our fashion and

under trademark “Wuttisak Clinic” the Company has change the business strategy for appropriate with the business environment by closed 7 departments which have accumulate loss in July 2019 and decreased

conditions, of CSL (CS LOXINFO). The conditions mainly involve the deal approvals from THCOM and Singtel, the two major shareholders of CSL, and the NBTC. The tender offer at a price of Bt7.80/share shall be

customer perception. We continue to focus on delivering fair profitability balancing between short- and long- term drivers while keeping our solid financial strength. Market and Competitive Environment As

Group 5/ 44 36 (81) -284% -321% 270 24 -91% Others 6/ (76) (72) (61) (113) (190) Profit attributable to owners of the Company 1,060 1,007 1,856 75% 84% 4,137 4,009 -3% Basic earnings per share (Baht) 0.77

Distribution of Newly Issued Shares and Share Warrants by Issuer

stimulus measures. Against this backdrop, KBank has established its business direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate