) - (354) (100.0) Total comprehensive income for the year 88,483 101,918 104,394 (15,911) (15.2) Gross Profit Margin 25.2% 23.4% 22.4% 2.8% - Basic earnings per share (Baht/Share) 0.22 0.26 0.26 (0.04) (14.9

December 31 , 2018 , the Comprehensive Income Statement and the auditor’s report, which are audited by the auditor for the year ended December 31, 2018. Agenda 5 To approve the annual dividend payment and

Position as of December 31 , 2018 , the Comprehensive Income Statement and the auditor’s report, which are audited by the auditor for the year ended December 31, 2018. Agenda 5 To approve the annual dividend

Discussion and Analysis Performance for the Period Ended December 31, 2018 Statement of Comprehensive Income 2018 2017 Change (Million Baht) (Million Baht) (%) Sales 2,020.63 2,147.64 (5.91) Foreign exchange

1.93 (19.30) -90.91% Other comprehensive income - - - N/A Total comprehensive income for the period 21.23 1.93 (19.30) -90.91% Gross profit margin 30.31% 21.26% Net profit margin 19.22% 2.98% Performance

comprehensive income - - - N/A Total comprehensive income for the period 1.93 6.45 4.52 234.22% Gross profit margin 21.26% 28.40% Net profit margin 2.98% 8.16% Performance (Statement of comprehensive income

1 Forth Smart Service Public Company Limited (FSMART) FY18 Management Discussion and Analysis Operational Summary in FY18 2018 Operational Summary  Total revenue from core business was Bt3,339mn

1 Forth Smart Service Public Company Limited (FSMART) 2Q19 Management Discussion and Analysis Operational Summary in 2Q19  Net profit was Bt145mn, decreasing 3.4%YoY  Total revenue from core

potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of comprehensive risk management principles and policies, a risk-aware culture Bank

across the world with the national standards with the various and comprehensive products and services including: - Letter of Credit - Bills for Collection - Trust Receipt - Shipping Guarantee - Packing