services of money transfer within the bank and other bank, payment for goods and services, loan payment, cheque status checking, stop cheque, and account status checking. 3.3 LH Bank PromptPay Service is a

Baht volatility and international capital movements. Within this context, KBank has accentuated enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership

under financial leases agreements Liabilities under financial leases agreements - net as at September 30, 2019 and December 31, 2018, consisted of: 2019 2018 2019 2018 Minimum payments Within 1 year

providers or overseas funds transfer service providers within the same day on which the funds are received, banks are required to start safekeeping such advance money within the end of the day that the money

CentralWorld was gradually completed in 1Q19 and will resume full service within this year. Asset Enhancement Initiatives to increase the value of existing shopping malls, customers, tenants and societies, and

the THB that affected the value of the Company’s overseas assets. • Net debt to equity ratio as of 31 December 2019 stood at 0.48x, an improvement from 0.55x in 31 December 2018. SIGNIFICANT EVENTS

of 4 stars hotel at Sukhumvit soi 19, it is currently on designing stage and choosing hotel brand operator. The Company targets to own 1,000 room keys within 2023. For the F&B business, in 2019, the

Baht. The Company has invested such capital increase amounting to 100 million Baht. The increase in the share capital of the subsidiary did not change the Company’s proportionate holding in the equity of

Ordinary Shares (Million Shares) * 947.96 1,047.41 (99.45) (9.49) Return on Equity (ROE) (%) 25.84% 18.58% 7.26% Return on Assets (ROA) (%) 15.87% 11.48% 4.39% Remark: * Calculated based on the number of

) NP 328.77 10.29 322.82 10.12 5.95 1.84 EPS (Baht per Share) * 0.35 0.32 0.03 9.37 Weighted Average Number of Ordinary Shares (Million Shares) * 947.96 1,014.02 (66.06) (6.51) Return on Equity (ROE