255 million or 1.11 percent in net interest income, derived from rising interest income from investment. KBank maintained key financial ratios at levels consistent with our overall economic performance

Financial Summary in FY18 Income Statement MB % MB % MB % MB % MB % Income from rending of top-up service for prepaid phone and other online service (Commission) 353.01 42.4% 346.47 41.7% 339.36 41.4% -2.1

novating M&E accounts payable to long term loan from financial institutions totaling of Baht 13,619 Million which is the same amount that the Company has the obligation. This novation has no effect to the

2 Forth Smart Service Public Company Limited (FSMART) 1Q19 Management Discussion and Analysis Financial Summary Income Statement Total revenue Total revenue from the core business in 1Q19 was

have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most

Company has been able to maintain financial liquidity, so there is no significant impact of COVID-19 on debt obligations. Meanwhile, the Company has taken stringent measures to manage and control its costs

segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality excellence, with greater consideration of consumer protection in order to

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership

Public Company Limited’s (the “Company”) Board of Directors Meeting No. 5/2022 held on 9 August 2022 passed a resolution to certify the financial statements and the performance for the six-month period

Hub Public Company Limited’s (the “Company”) Board of Directors Meeting No. 6/2022 held on 8 November 2022 passed a resolution to certify the financial statements and the performance for the nine-month