situations that may incur losses to KBank, for increased efficiency in risk management, ensuring that KASIKORNBANK FINANCIAL CONGLOMERATE will be able to maintain long-term sustainable risk- adjusted returns

from internal or external factors, possibly having adverse impacts on, or causing monetary or non- monetary losses to, KBank and our customers, directly or indirectly. Recognizing the importance of cyber

(losses) 1 (18) (3) (84%) n/a (3) (15) n/a Legal reserved - - - n/a n/a (101) - (100%) Net profit 787 1,037 604 (42%) (23%) 3,341 3,889 16% Non-controlling interests (65) (138) (118) (14%) 82% (166) (530) n

License Return, causing the company to have encountered heavy losses continuously and been under significant debts. So, the company plans to dispose of its investment in Spring26 since the beginning of the

Thai Financial Reporting Standard on lease agreements (TFRS 16) and revenue from contracts with customers (TFRS 15). • Net foreign exchange gain/losses: net gain of THB 21 million was recorded in Q3/2020

แบบแสดงรายการข้อมูลการเสนอขายหลักทรัพย์ (UNOFFICIAL TRANSLATION) Readers should be aware that only the original Thai text has legal force, and that this English translation is strictly for reference. 2 Registration Statement for Securities Offering (Form 69-1) Company: .......... (Name of Securities Offeror) ….....… Offers for Sale ....................................................................................................................................................... .................

of Baht 3.7 billion or 0.9 percent from the end of 2017, due mainly to the net profit attributable to owners of the Bank for the first quarter of 2018 of Baht 9.0 billion. Losses from conversion of the

the fourth quarter of 2017. Net Non-interest Income Net non-interest income are including net fees and service income, gains (losses) on trading and foreign exchange transactions, gains on investments

- - 16.26 - - Items that may not be reclassified to profit or loss Actuarial losses on defined benefit plans (20.80) - - - - - Income tax relating to components of other comprehensive income 17.64 - - 17.64

, following the continues loan growth. Net Non-interest Income Net non-interest income are including net fees and service income, gains (losses) on trading and foreign exchange transactions, gains on