business operations and financial services, while also boosting financial service accessibility among service users, at reduced cost. 2. Notification of the Director-General of the Revenue Department on

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership

) Tier 1 Capital Ratio3) 15.25 15.03 0.22 14.69 0.56 2) Loans = Loans to customers less deferred revenue 3) KASIKORNBANK FINANCIAL CONGLOMERATE’s Capital Adequacy Ratio (CAR)  Net Interest Income KBank’s

segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality excellence, with greater consideration of consumer protection in order to

” program which features a loan with special conditions offered to SMEs who use their financial statements submitted 10 to the Revenue Department for income tax filing as a support document when applying for

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

72.35 TV - 0.00% - 0.00% Total - Broadcasting and new media 789.10 36.16% 505.04 30.49% Revenue from sale of goods and rendering of services Revenue structure from the consolidated financial statement

19 - Natural Resources Financial Position Statement of Cash Flows Statement Financial Ratios Environment Management Accounting Management Discussion and Analysis of Business Operation for Q1/2019

of intangible assets from the acquisition of GLOW". (see details on page 24) Operating Revenue (THB million, %) Electricity + Financial Lease (IPP) Electricity (SPP+VSPP) Steam QoQ -8% YoY -14