) Securities Financing (section 4) Separation of Securities and Finance Businesses & Merger (section 90) Representatives Office of foreign securities companies (section 93) Holidays (section 110) Securities

; (4) promoting market based financing for all businesses, especially small and medium size enterprises (SMEs) and strategic sectors; (5) creating quality investors and promoting financial literacy and

growth in sales of dessert cafés, which accounts for the largest share of revenue. The growth in sales of dessert cafés was mainly due to the improving COVID-19 situation, as a result more customers are

Consolidated financial statements For the six-month period Unit: Million Baht Ended 30 June 2017 (6M) % 2016 (6M) % YoY Dif. +/- YoY % +/- Financing cost 1.26 0.2% 3.01 0.7% - 1.75 -58.16% Income tax expenses

operational excellence will benefit the company in 2018 and make us more competitive in the future. The financial cost has increased due to an increase in short-term financing in order to meet working capital

Forward According to the outbreak of Covid 19 at the end of the first quarter of 2020, it was found that the company affected by the situation but was at a manageable level. However, the company anticipates

company's management practices to minimize the impact An adoption of the Emergency Decree on Public Administration in Emergency Situation (No. 1), B.E. 2548 since March 26th, 2020 has forced A&W and Kitchen

impacted by the situation. Which many departments and many research agencies have forecast that gross domestic product will shrink by more than two digits. In additional it will affect the operating results

international economic and political uncertainty, as well as rapid changes in fund flows as above, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk

. The management believes that it will be able to rectify situation. Please be advised accordingly. Yours Faithfully, Bang-on Phumchai Managing Director