Other Operating Expenses 15,851 15,224 627 4.12 15,647 204 1.31 Impairment Loss on Loans and Debt Securities 10,626 9,133 1,493 16.36 8,721 1,905 21.85 Net Profit (attributable to equity holders of KBank

Return on equity(%) 11.3 5.5 Debt to equity(x) 0.5 0.3 Interest bearing debt to equity(x) 0.3 0.2 Interest bearing debt to EBITDA(x) 1.8 2.1

Deficit from business combination under common control (22.9) (22.9) - - Total equity 11,386.6 10,793.0 593.6 5.5 Statement of Financial Position Change Analysis of Financial Position 10 Assets Total assets

Equipment Other current assets Short-term Investment Other non-current assets 7% 31% 6% 4% 52% 116 110 24 37 957 990 1,097 1,137 18 1930 Sep 1931 Dec 18 11% 2% 87% Equity Non-current Liabilities Current

Total liabilities 7,743.2 8,315.1 (571.9) (6.9) Issued and paid-up share capital 4,579.0 4,579.0 - - Retained earnings - unappropriated 1,585.5 1,015.5 570.0 56.1 Deficit (22.9) (22.9) - - Total equity

-current assets 7% 34% 5% 4% 50% 116 125 24 37 957 1,038 1,097 1,200 18 1931 Dec 1931 Dec 18 11% 2% 87% Equity Non-current Liabilities Current Liabilities10% 3% 87% +9% (THB million) +9% Total Equity As of

1,015.5 816.4 80.4 Deficit from business combination under common control (22.9) (22.9) - - Total equity 10,793.0 5,571.6 5,221.4 93.7 31 December Statement of Financial Position Change 3. Analysis of

financial statements, use total assets from consolidated financial statements (data should be extracted from the latest financial statements) 17.93 Calculation based on value of equity shares issued for the

0 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 Total Assets Total Liabilities Total Shareholder Equity 2018 Q2 2019 Unit: THB mm 7. Increase in investment properties (net) of THB

3,393 million as of 31 December - Translation - Page 6 of 7 2017, or equivalent to the interest-bearing debts to shareholders’ equity ratio of 0.71 time, up from 0.48 time, respectively and could be