Table 1: Overall Financial Performance Unit: million baht Jan-Sep 2018 % Jan-Sep 2019 % Change % YoY Revenue 380.50 100.0% 440.78 100.0% 60.28 15.8% Cost 217.33 57.1% 238.03 54.0% 20.70 9.5% Gross Profit

from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

your personal data directly from you by collecting from: Seminars; The Enterprise Content Management System (ECM) of the SEC Office.) The SEC Office receives your personal data submitted via a system by

data directly from you by collecting from: Seminars/trainings/meetings/hearings/visits to the SEC Office; The Enterprise Content Management System (ECM) of the SEC Office. The SEC Office receives your

business operations of its particular bank and its financial conglomerate, transaction volume and related risks and must be reviewed at least once a year and upon any significant change. In addition, close

specific law, the Industrial Finance Corporation of Thailand, a finance company or credit foncier company; (c) a treasury bill, Government bond, state enterprise bond, Bank of Thailand bond, Financial

/ Total mandatory reserve 186.1 183.0 184.9 186.3 186.3 184.4 4 Profit and Loss Transaction For the three-month period ended March 31, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount % Interest income

becoming insolvent as a prerequisite. After a debtor has defaulted on credit obligations, he/she may submit a request to the court for proceeding with reorganization. This change provides a greater

of 410 megawatts, is a joint venture company among SK Engineering & Construction Company Limited (26 percent), Korea Western Power Company Limited (25 percent), Lao Holding State Enterprise (24 percent

: Overall Financial Performance Unit: million baht Jan-Jun 2019 % Jan-Jun 2020 % Change % YoY Revenues 273.96 100.0% 355.64 100.0% 81.68 29.8% Cost of sales and services (147.42) (53.8%) (190.73) (53.6