Impairment Loss on Loans and Debt Securities 7,995 7,819 176 2.26 10,626 (2,631) (24.76) Net Profit (attributable to equity holders of KBank) 10,917 10,766 151 1.40 8,986 1,931 21.49 Basic Earnings per Share

27% Subordinated perpetual debentures 14,874 14,874 0% Total equity attributable to equity holders 144,838 117,062 24% Non-controlling interests (NCI) 7,018 1,925 265% Total shareholder's equity

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

Thailand. These uncertainties and the maneuverings of the Federal Reserve and the European Central Bank (ECB)’s monetary policy are expected to cause fluctuations in the global economy and financial markets

, to create confidence among shareholders over the long term. All these endeavors have been undertaken with consideration of a new regulatory landscape, changing economic circumstances and risk trends to

by Thai Wacoal Public Company Limited Presented to Shareholders of Thai Wacoal Public Company Limited Prepared by 8 March 2019 This English report of the Independent Financial Advisor’s Opinions has

hold a meeting Within the time period under paragraphs three. All shareholders Which they name each other or other Exiting To propose stockholders Combined the number of shares as specified, may call a