Capex Net Debt Cash and Cash under Management Total Debt Debt Maturity Profile as on 30 Jun, 2020 Fixed = 71% Floating = 29% Effective Finance Cost 3.27% Credit Rating: AA- with stable outlook by TRIS in

and ATP in March 2019 and March 2020 respectively; • Interest expense from ABPIF declined 46.9% y-on-y in Q2’2020 to THB 26 million and 37.5% y-on-y in 6M’2020 to THB 65 million from the maturity of

, amount and value that have not yet redeemed, maturity date of the collateral, other material conditions on financial year-end date, and latest credit rating of REIT bond, or guarantor of debt repayment

of time, the approval shall be deemed terminated. The underlying shares shall be exercised under conversion rights before the maturity date of the convertible bonds. If they are not fully exercised

E_1 Legal_FA_2015_12_29-c A FFeeCCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended September 30, 2017 The Thai economy maintained steady growth in the third quarter of 2017, buoyed largely by tourism and exports. Nonetheless, the economic recovery was not broad-based, as evidenced by sluggish private consumption. While certain businesses were still fragile, others remained mired in uncertainty in terms of new modes of competition, a broader market...

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2019 In the first quarter of 2019, the Thai economy continued to sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has e...

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained traction, buoyed by both domestic and international factors. However, the business sector faced rising challenges, namely various forms of competition, a borderless marketplace within the ASEAN Economic Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus lea...

E_1 Legal_FA_2015_12_29-c A HibrWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2018 The Thai economy in the third quarter of 2018 grew at a decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles. Nonetheless, the business sector remained challenged by new modes of competition, the broade...

information about the terms of the debt securities that will be offered, such as the interest and any other payments (e.g., premium) that will be paid on the debt securities, the maturity date, and provisions

interest rate and maturity of such indebtedness and, for indebtedness incurred within the past year, the uses to which the proceeds of such indebtedness were put. D. Expenses of the Issue The following