78.22%. Moreover, the Company issued the 2-year debenture during this year amounting to THB 400 million. The proceeds were used for repayment of the matured debenture in July 2018. Shareholders’ equity As

was uneven, with improvement concentrated in only certain industries. Under these circumstances, KBank has developed effective credit risk management policies, tools and processes to cope with potential

tax cut packages and accommodative fiscal policy. Broadly speaking, both developed and developing economies, excluding China, showed signs of improvement in concert. Looking forward, the global economic

the core strategy of “Customer Centricity”, we continued to place our focus on making KBank our Customers’ Main Bank. We have therefore developed our business in various dimensions – from eight customer

with that, we developed our business in various dimensions – from customers to product domains and service channels – so that customers’ financial service needs are efficiently met by 9 our solutions and

, (iii) development of our high potential properties to become income generating assets and (iv) selective asset divestment of matured or strategically unaligned asset. So far, the Company has disposed of

(iv) selective asset divestment where assets are matured or strategically unaligned. To achieve the plan above, one of the most important elements is people. The industry has been disrupted fast and

| 14 August 2019 7 / 8 In addition, in 3Q19, there will be a matured debenture amount of THB 1,000mn, on 21 September 2019. For repayment of the bond, on 1 August 2019, the Company had issued a new

year) decreased by THB 726.7mn and the long- term loan (including debenture) decreased by THB 766.0mn. In addition, in 3Q19, there was a matured debenture amount of THB 1,000mn, on 21 September 2019

creative value-added concept and (iv) asset divestment where assets are matured or strategically unaligned. …………………………………. (Ms. Piyaporn Phanachet) Executive Director and Chief Executive Officer 2019 KEY