third parties, such as other intermediaries, financial institutions or affiliated companies in the group of financial business who have readiness in personnel and operating system relating to the

profit 27.70 55.84 53.53 Operating expenses 13.98 27.19 44.21 EBIT 13.72 28.64 9.32 Other revenue 0.68 1.30 0.28 Finance cost 0.00 0.96 1.38 Income tax expense 2.98 8.04 2.66 Net profit(loss) 11.42 20.94

(FIDF). Net interest margin (NIM) therefore stood at 3.49 percent. Meanwhile, other operating expenses decreased by Baht 3,695 million or 17.45 percent, over- quarter. As a result, our cost to income

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would like to clarify the change in operating results the year ended December 31, 2018 with details as follows: Unit : million baht Statement of financial position For the year ended 31 December 2018

. Moreover, other operating expenses increased by Baht 4,381 million or 6.41 percent, especially from branding campaigns and marketing activities in line with KBank’s business direction. As a result, the cost

: President of the Stock Exchange of Thailand Ua Withya Public Company Limited ("Company") would like to describe and analyze the financial position and operating results for quarter 2-2017 are summarized as

% Operating profit 91 17.6% 119 16.7% 133 17.4% 11.9% 46.2% Other income 33 6.3% 45 6.3% 44 5.8% (0.8%) 36.0% Sales profit 1 0.3% 1 0.2% 1 0.2% (0.1%) (2.6%) Finance costs (6) (1.2%) (12) (1.7%) (14) (1.8

., BANGKAE, BANGKAE, BANGKOK, THAILAND. 10160 Tel: 02-455-2888 Fax: 02-455-2763 (“TRANSLATION”) TG 195/2560 November 8, 2017 Subject: Clarification of the Operating Result for the significant change - Update

expenses (47) (8.4%) (61) (7.9%) (63) (7.9%) 2.7% 33.2% Operating profit 99 17.9% 133 17.4% 121 15.4% (9.1%) 22.2% Other income 33 6..0% 44 5.8% 50 6.3% 12.1% 48.8% Sales profit 1 0.2% 1 0.2% 1 0.2% (17.5