Financial Position Analysis 21 4.1 Operating Performance 21 4.2 Financial Position Analysis 28 4.3 Loans and Deposits 31 4.4 Treasury Operations 34 4.5 Capital Requirements 35 4.6 Credit Ratings 36 5

% Current portion of long-term loans from financial institutions - 0% 120,000 2% 156,000 4% 30,000 1% Short-term borrowings - 0% 550,000 9% 553,500 14% 559,764 15% Current portion of finance lease liabilities

and operate its business smoothly. Currently, the Company has debts with interest with the financial institutions and short- term loans in the amount of approximately Baht 918 million. 7.3 This asset

licences payable 556,204 7% 584,069 9% 297,964 7% - 0% Current portion of long-term loans from financial institutions - 0% 120,000 2% 156,000 4% 45,000 1% Short-term borrowings - 0% 550,000 9% 553,500 14

impairment loss on loans, in line with our improved asset quality. Moreover, net interest income rose Baht 4,377 million or 4.65 percent, which was derived mainly from interest income from both loans and

of loans taken by a project company in USD is aligned with incomes earned in the same currency, which naturally restricts the exchange rate risk of commercially operational projects; and 2) Use of

in a decrease in the cost-to-income ratio, which stood at 42.52 percent. KBank has set aside higher allowance for impairment loss on loans, in line with uncertainties from the ongoing economic slowdown

) (19.01) Short-term borrowings from financial institutions 58.30 54.42 (3.88) (6.66) Trade and other account payables 24.14 20.77 (3.37) (13.96) Current portion of long-term borrowings 14.86 2.00 (12.86

) Short-term borrowings from financial institutions 58.30 44.76 (13.54) (23.22) Trade and other account payables 24.14 18.94 (5.20) (21.54) Current portion of long-term borrowings 14.86 2.00 (12.86) (86.54

investments are hedged by currency borrowings and other hedging instruments. 5. Provide information regarding any governmental, economic, fiscal, monetary political policies or factors that have materially