Confidential information CRAs should maintain in confidence all non-public information communicated to them by any issuer, or its agents, under the terms of a confidentiality agreement or otherwise under a

% YoY from the same period in the previous year (YoY). Excluding the non- recurring items and the performance of residential business, total revenue increased 8.9% YoY and net profit increased 12.3% YoY

Standards and Technology (NIST) หมายถึง “The cloud infrastructure is provisioned for exclusive use by a single organization comprising multiple consumers (e.g., business units). It may be owned, managed, and

Pattana”) in 1Q20 shows total revenue of THB 11,423 mn and net profit stood at THB 4,592 mn, mainly influenced by non-recurring items as well as revenue from residential business together with cost

affected the Company’s businesses. Excluding the non-recurring items and impact of TFRS16 applied, total revenue stood at THB 3,613 mn and net loss stood at THB 611 mn (for the first six months of 2020

% with net interest income increased by 9.4% driven by lower interest expense from continuous cost management while non-interest income decreased by 26.9% from the slowdown in economic activities

affected the Company’s businesses. Excluding the non-recurring items and impact of TFRS16 applied, total revenue and net profit decreased by 60.7% and 123.5% respectively (for the first six months of 2020

exchange rates and capital inflows should be closely monitored. Going forward, risks to financial system stability need to be more closely monitored and managed appropriately through the combination of

6.70 percent from the same period of last year. The decrease came from non-interest income which fell Baht 2,871 million, or 19.00 percent, due to cancellation of funds transfer fees via digital channels

totaled Baht 9,929 million, decreasing Baht 115 million or 1.15 percent from the previous quarter. KBank still recorded increased income. As evidenced, both net interest income and non- interest income rose