4.2 NPLs/ Total loans (excluding interbank and POCI) 3.2 2.9 2.9 3.4 3.7 Allowance for expected credit loss/ Total NPLs excluding POCI (coverage ratio) 163.3 170.9 152.6 128.7 115.9 5 Net Interest

mining 51,498 52,359 46,658 (1.6)% 10.4% Others 313,565 295,724 297,076 6.0% 5.6% Total 2,083,160 2,021,246 2,003,989 3.1% 4.0% * Less deferred revenue Classified Loans and Allowance for Doubtful Accounts

% 41.7% Dec'17 Sep'17 Dec'16 Classified Loans and Allowance for Doubtful Accounts Million Baht Item Loans & Accrued Interest Receivables * Allowance for Doubtful Accounts Classified to Bank of Thailand

to income ratio stood at 45.32 percent. KBank has set aside higher allowance for impairment loss on loans from the preceding year, with 1 In the 2019 Annual Report, this item is shown under the topic

2,518 million, or 3.94 percent, over-year. Moreover, KBank has set aside higher allowance for impairment loss on loans to maintain our financial position stability. Therefore, our net profit for 2017

38,459 million in net profit, increasing Baht 4,121 million or 12.00 percent compared to the year before. The increase was mainly due to a decrease of Baht 9,278 million or 22.19 percent in allowance for

increased in sales revenue, at the same time the company and its subsidiaries recorded allowance for doubtful accounts totaling 126 million baht, compare to 2017 of 99 million baht, respectively due to higher

from these estimates. Significant judgments and estimates are as follows:  Allowance for doubtful accounts  Allowance of diminution in value of inventories.  Property, plant and equipment/Depreciation

; hire purchase receivable of 4,113 million baht, increasing by 94% y-y and others receivable of 118 million baht. 6 - Allowance for doubtful accounts As of November 30, 2019, the Company provided

) AI Energy Public Company Limited. March 31, 2017 the Company has booked the allowance for the dilution in inventories value for THB 12.58 million. 2. Cost of Sales – Edible Oil - In 1st quarter of 2017