Social Security Office The Social Security Office has adjusted the budget regarding medical fees, which will be effective from 1 January 2020, the details are as follows: 1. Basic Capitation (Fixed payment

fixed cost. The Group’s gross profit margin was 23.6 percent which decreased by 0.7 percent. For the company only, gross profit margin was 23.6 percent which increased from the prior year by 1.0 percent

days (days) 100.8 149.1 Efficiency Ratios Leverage Ratios Return on assets4 (%) 12.2% 8.5% Liability to Equity7 (times) 1.6 1.5 Return on fixed assets5 (%) 75.8% 60.1% Debt to equity8 (times) 1.0 0.9

Feed Margin 899 19 900 21 1,267 26 368 41 367 41 1,741 19 2,168 24 427 Other Variable Costs (392) (8) (355) (8) (416) (9) (24) 6 (60) 17 (754) (8) (771) (9) (17) Fixed Costs (128) (3) (139) (3) (137) (3

. As of 30 June 2017, outstanding interest-bearing debts was THB 19,311 mn, comprising of 78% fixed and 22% floating interest rates, decreased by 7% YoY due to scheduled debt repayment and debenture

Life Insurance, featuring a tax-free 24-month fixed deposit product plus Pro Saving 615 Guarantee or Retirement 60/5 and Whole Life 99/5. For loan products, KBank prioritizes customer screening per our

) 74.6 85.0 Return on equity* (%) 40.3% 34.7% Payable days (days) 100.8 94.3 Efficiency Ratios Leverage Ratios Return on assets* (%) 12.2% 8.7% Liability to Equity (times) 1.6 1.3 Return on fixed assets

Variable Costs (323) (8) (416) (9) (458) (9) (135) 42 (43) 10 (1,077) (8) (1,230) (9) (153) 14 Fixed Costs (134) (3) (137) (3) (130) (3) 4 (3) 7 (5) (392) (3) (406) (3) (14) 4 Stock Gain/(Loss) 110 3 (413

0.66 0.03% 0.76 0.03% Restricted fixed deposits 46.18 1.99% 45.98 2.03% Deferred tax assets 21.25 0.91% 21.60 0.95% Other non-current assets 3.71 0.16% 3.83 0.17% Total non-current assets 522.99 22.51

upgraded the CPN’s rating and debentures to “AA” with “stable” outlook. As of 30 September 2017, outstanding interest-bearing debts was THB 17,967 mn, comprising of 78% fixed and 22% floating interest rates