receivables 71 million baht. - Allowance for expected credit loss As of May 31, 2024, the Company provided allowance for doubtful accounts of 8,289.19 million baht, stable from the end of last fiscal year

the total number of account receivables recorded as allowance for doubtful accounts or calculation from the net profits. 4. GJS share price of B0.27 per share, which was calculated based on the Adjusted

business2 Percentage 4.39 4.78 4.63 11.217 Allowance for doubtful accounts to NPLs3 Percentage 10.37 8.70 7.69 7.46 Cash collection from NPA management business to net NPAs4 Percentage 31.83 24.88 29.12

Expenses 12.30 30.06 13.74 2,252.46 Administrative costs (40.45) (98.85) (47.78) (7,832.79) Allowance for impairment of joint venture capital - - (29.81) (4,886.89) Doubtful accounts (90.99) (222.36) (88.24

18.40 Return on NPL management business11 % 4.78 4.63 9.50 Allowance for doubtful accounts to NPLs12 % 8.70 7.69 7.47 Cash collection from NPA management business to net NPAs13 % 24.88 29.12 24.75 Return

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