selling and administrative expenses has decreased from the last year, but the proportion has increased because the company still have the same operating expenses while revenue decreased. (7) Loss on

Expenses in Q3/2021 was THB 30 million, decreased by THB 5 million or 14% from Q3/2020 as the Company was able to reduce the general operating expenses corresponding to the COVID-19 pandemic

(+53.28%) from operating profits. Deducted from operating expenses and, the Company Withdraw guarantees lines from financial institutions used for various investment and financing activities. A decrease in

funds for operating costs, investment in primary business after the transaction, including reduction of liabilities, in the best interests of the Company. For the purpose of the fairness in such

. 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

falling interest expenses. Meanwhile, non-interest income decreased Baht 1,030 million or 1.62 percent, due mainly to a decline in net insurance premiums. At the same time, operating expenses rose Baht

revenue from money market product increased from foreign exchange transaction. Moreover, other operating expenses increased Baht 1,976 million or 2.98 percent over-year, due mainly to marketing expenses. 1

sale 26.51 13.31 - Other Revenue 0.70 0.00 0.01 Total revenue 27.21 13.32 0.01 Cost of sales 20.41 8.00 - operating expenses 14.27 6.77 0.24 Total Expenses 34.68 14.77 0.24 Operating Profit(loss) (7.47

Total Income 2. Expenses 2.1 Expenses on Borrowing 2.2 Fee and Service Expenses 2.3 Bad debt and doubtful accounts 2.4 Shares of loss of subsidiaries and affiliated 2.5 Operating expenses 2.5.1 Personnel

subsidiaries and affiliated 2.5 Operating expenses 2.5.1 Personnel expenses 2.5.2 Premises and equipment expenses 2.5.3 Taxes and duties 2.5.4 Directors’ remuneration 2.5.5 Others expenses Total Expenses