million. Q4/2018, the Company and its subsidiary had independent specialist to evaluate and reclassified employee benefit payables as well as recognised actuarial loss Baht 0.44 million deductible deferred

Expenses The income tax expense of the Group in 3Q2019 was THB 79. 30 million, increased by THB 14. 91 million or 23.15% up from 3Q2018 mainly from higher deferred tax expenses. Income tax expense for 9M2019

Change THB Mn THB Mn THB Mn %QoQ %YoY THB Mn THB Mn %YoY Tax income (expense) (1.1) 14.6 (9.0) N.A. (

% . This is because in 2023, the Company's income tax expenses increased significantly since the Company did not record allowances for expected credit losses from related receivables as deferred tax assets

has processes in place to measure and control risks within the established limits, under the supervision and control of the Enterprise Risk Management Division.  Market Risk in Banking Book Activities

underwriting and non- 15 directional trading business, which we undertake only for serving customer needs. KBank has processes in place to measure and control risks within the established limits, under the

การดาํเนินงาน ไม่รวม Deferred Revenue Item/3 (Normalized Total Revenue excluding Deferred Revenue Item) 1,497.5 1,399.5 (6.5%) กาํไรสทุธิจากการดาํเนินงาน ไม่รวม Deferred Revenue Item/3 (Normalized Net

% up from 1Q2019 mainly from higher deferred tax expenses comparing to 1Q2019. Net Profit The consolidated net profit in 1Q2020 was THB 324.66 million, increased in amount of THB 96.80 million or 42.48

(34.7%) /1 Normalized Total Revenue = Total Revenue excluding FX impact, Extra item and Deferred Revenue Item /2 Normalized Net Profit = Net Profit excluding FX impact, Extra item, TFRS9&16 impact and

) comprised of current tax and deferred tax. Deferred income tax mainly from temporary difference of receivable from finance lease and derivative assets. 8 Net profit and Net profit margin (Unit: THB Mn