Position Analysis 4.1 Operating Performance KBank’s consolidated net profit for the third quarter of 2018 totaled Baht 9,744 million, decreasing Baht 1,173 million or 10.75 percent over-quarter, and

Operating Performance KBank’s consolidated net profit for the third quarter of 2017 totaled Baht 9,473 million, increasing Baht 487 million or 5.42 percent over-quarter due to a decrease of Baht 221 million

quality improvements in order to deliver an excellent customer experience. Being aligned with our business strategies, KBank and subsidiaries thus reported that net profit for the second quarter of 2019

4.1 Operating Performance KBank’s consolidated net profit for the third quarter of 2019 totaled Baht 9,951 million, slightly increasing Baht 22 million or 0.23 percent over-quarter. The increase could

past three years and the latest quarter or such shorter period that the company has been in operation: Specify the information in the consolidated financial statements, with only key figures and

. The disclosure shall include at least the proportion contributing more than 10 percent of the total income in the profit and loss statement of the latest financial year. Such income information shall be

, disclose the income proportion of each product line or business group. The disclosure shall include at least the proportion contributing more than 10 percent of the total income in the profit and loss

Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Sales Revenue Net Profit Unit: Million Baht Page 2 3. Results of Operations and Profitability Consolidated (Unit: Million Baht) Q3/2018 Q3/2017 %YoY 9M/2018 9M/2017 %YoY

such as co-brand activities whereas, the company can realize the Subsidiary's profit in the consolidated financial statements only 53.93%. The pricing is based on internal valuation of the Subsidiary

approve the dividend payment of THB 1.30 per share to be paid from the 2019 net profit. Hence, the proposed dividend payout ratio from the 2019 consolidated net profit is at 49.7%. Shares Repurchase Project