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

10,791.20 14,058.6 4,521.65 9,057.45 4,542.38 Notes: 1 “Interest income from loans purchased” and “gain on loans purchased” are presented as two separate line items in the audited financial statements for the

presented and have right to vote which excludes shareholders who have conflicts of interest. In the regard, there are no shareholders who have conflict of interest regarding this transaction. In addition, the

receipts has disclosed facts, which are material and have not been presented in the registration statement and the prospectus, to any specific person for the purposes of analyzing the adequacy of investment

foreign currency banknotes with, commercial banks or other authorized money changers in Thailand, or banks or foreign exchange operators offshore. Relevant documents must be presented as evidence, such as a

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter of 2019. Exports, tourism and private investment – among major economic activities – were hampered by the worse-than-expected global economic slowdown. Meanwhile, consumers’ purchasing power weakened amid high household debt, whereas public investment and the government’s budget disbursement were aff...

customers’ needs. Meanwhile, KBank presented “KPB Academy: Next Generation” for the fourth consecutive year. The training course is intended to groom successors for leadership in their family business

of the Board of Directors. The interested directors were not presented at the meeting. The Company certifies that information in this memorandum is accurate and true, and that the memorandum is

adjustment to the beginning balance of retained earnings as at 1-Jan-19. The effect of related transactions is presented in Note 2 of financial statements and also provided on page 4. Considering the entire

adjustment of investments in available-for-sale securities which presented under other components of shareholders' equity. (Translation) Bangkok Expressway and Metro Public Company Limited Management