ECB resolved to hold its policy rate steady at zero percent. However, the ECB lowered its interest rate on the deposit facility, putting it more deeply into negative territory, while it also planned to

Outlook Stable Stable Stable Standard & Poor’s Long-term Counterparty Credit Rating BBB+ BBB+ BBB+ Short-term Counterparty Credit Rating A-2 A-2 A-2 Senior Unsecured Debt Instrument BBB+ BBB+ BBB

% from Q3/2020 and 24% from 9M/2020 due to a decrease in revenue while the Company still recognized a stable fixed cost. • EBITDA margin in Q3/2021 was 20.7%, decreased from 32.7% in Q3/2020 and in 9M/2021

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2019 In the first quarter of 2019, the Thai economy continued to sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has e...

from 79.01 Million Baht to 74.65 Million Baht or 5.52% due to cancellation of licensor distribution and manufacturing. This affects extensive project cannot apply tender as a results. 2. The Company’s

from interest rate reduction and a slowdown in loan in the banking system. Meanwhile, net fees and service income was stable, whereas fees from insurance, mutual fund and investment banking services

product in the Jiangsu factory. In overall, Selling and administrative expenses in proportional to sale remain stable. While, financial costs increased due to increase in loans for new projects such as the

subsidiaries had stable financial status with very high liquidity and debt to equity ratio as low as 0.12 time, due to the proceeds of 164 million Baht from registered capital increase in January 2017, and from

146.93 million baht in the year 2017 compare to the year 2016 amount 148.73 million baht or decrease 1.80 million baht (1.21%) because sellling and administrative expenditures in this year were stable

and Debt to Equity ratio equal to 0.12:1 times, about the same as those of the same period of the previous year which were 7.76:1 and 0.10:1 times, respectively, indicating that the Company still stable