Cycle (Days) 40 40 Total Debt to Equity Ratio (Times) 0.80 0.47 Interest Coverage Ratio (Times) 189.00 126.53 Debt Service Coverage Ratio (Times) 92.06 75.36 (3) Asset Management Capability (3.1) Debtor

million of loans purchased which had been acquired within one to two years before (of which Baht 12,059.2 million is from distressed debt assets and Baht 850.8 million is from Foreclosed Collateral

unemployment rate at 2.25% in the third quarter of 2021 increased from the previous quarter and a higher level of household debt. The company performance of the third quarter of 2021, the Company has total sales

of the application result The SEC will notify the result of its consideration of the application to the applicant within 21 calendar days from the date of receiving complete documents according to the

expansion is still subjected to the rising cost of living, in which the inflation rate in 4Q/2022 reached 5.8%, the household debt ratio is considered high amid the increasing trend of interest burden but

1.05% from the previous quarter. However, substance economic challenges are remained such as global economic recession as a result of policy interest rate increment, high household debt level increasing

Baht volatility and international capital movements. Within this context, KBank has accentuated enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership

/2551 re: rules for entering into substantial transactions within the definition of an acquisition or disposition of assets (as amended) and the Notification of the Board of Governors of the Stock

-changing consumer behavior. Given the increased degree of uncertainty in global economies and politics, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Within this

. Within 9 months the competitors gradually disappeared and the company gained 50% market share. In the part of mobile top-up market share, the company gained it from several channels especially ROM. As a