processes, including effectively controlled in maintenance cost. Net gain (loss) on exchange rate Q1-2020 Q1-2019 THB Mn THB Mn THB Mn % Net gain (loss) on exchange rate 112.2 (28.3) 140.5 N.A. (>100) Change
decreased by -8.4% YoY. 9M23 EBITDA increased by 4.2% YoY as a result of an improvement in core service revenue and well- controlled SG&A. The net profit closed at Bt22,084mn, surging 18% YoY driven by
monitored and controlled to prevent over-exposures in particular sectors, taking into account trend of industry growth and capital impact. Credit Underwriting and Approval KBank has formulated lending
transactions, is proper and gives benefits to the company which can increase revenue and profits to the group companies. Please be acknowledge for your information Yours Sincerely, (Mr. Wanthana Jaroennawarat
Supervisory Board, and other related laws. Signed ………………………………………………… Acknowledge (Mr. Apivut Thongkam ) The company hereby certifies that 1. The qualifications of the aforementioned members meet all the
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