. Trade accounts receivable – related parties, long past due Unit : million Baht Transactions Company Balance as of 31-06-2019 Balance as of 30-09-2019 Allowance of doubtful accounts source of Transaction

already been recorded in Q4-2021,namely, the allowance for doubtful accounts for accounts receivable that are expected to be uncollectible or have a delay in receipt of payment. Loss on fair value

the delay. Therefore, the Company considered to record allowance for doubtful accounts with total amount of such unbilled 3 Months 2019 2018 Change 2019 2018 Change 2019 2018 Change Engineering 196 167

Environment 1 1.1 Global and Thai Economy in 2019 and Outlook for 2020 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Significant Regulations and Rules related to Business Operations 5 2. Risk

streamline processes and reduce costs of the bank related to documentation or approval and enhance business efficiency.  Relaxation of Rules and Practices for Measures to Prevent Thai Baht Speculation The

inevitably hurt commercial banks’ opportunities and business operations. 1.3 Significant Regulations and Rules related to Business Operations2 Significant regulations and rules that may have affected KBank’s

Quality, Accounts Receivable Aging, Provision and Sufficiency of Allowance for Doubtful Debts The Corporate Group’s trade accounts receivable and other accounts receivable as at December 31, 2018 account

Allowance for Doubtful Debts The Corporate Group’s trade accounts receivable and other accounts receivable as at December 31, 2019 account for 15.54 percent of the total assets with 78.69 percent not yet due

Administrative Expenese due to accounting adjusted of doubtful debt amounted of Baht 22.5 million in 1Q2018 and professional fee for new projects according business plan; ii) 10.5% decrease of Other Income from

Profitability The profitability of the Company in 2016 increased from that of the year 2015 because the Company adopted measures on reducing expenses, such as electricity bill and expenses related to employees