revenue and net operating income for the period increased, but income from reversal of bad debts and doubtful accounts decreased from last year. The operating results of KT ZMICO for the third quarter 2018

deposits for land - 41.30 (41.30 ) N/A (Doubtful accounts) reversal of allowance for doubtful accounts 1.25 0.24 1.01 4.21 Total expenses 139.22 237.52 (98.30 ) (0.41 ) Profit (loss) before finance cost

Total other income (3) 10.59 8.47 2.12 25.03 Administrative expenses 75.51 76.74 (1.23) 1.59 Bad debt and doubtful accounts (reversal) 16.17 (2.27) 18.44 (812.33) Total expenses (4) 91.68 74.47 17.21

Baht 2.81 million or 6.07% compared to the same period of 2019 because of increasing of wage, welfare for employees etc. 5. Other expenses 5.1 Doubtful account In the second quarter 2020, company and

(3.85) Remunerations for directors and management (8,809) (11,841) (3,032) 25.61 Reversal of allowance for doubtful accounts 2,153 6,167 (4,014) (65.09) Gain (loss) on exchange rate 5,097 (3,621) (8,718

the same period of 2019 because of increasing of wage, welfare for employees etc. 5. Other expenses 5.1 Doubtful account In the third quarter 2020, company and subsidiaries has adjusted the doubtful

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

security system must be in place, which includes system readiness, service continuity, and monitoring of business partners regarding IT security and customer data privacy protection. KBank will be able to

customer expectations, consumer protection and customer privacy. Beyond these strategies, we focus on predictive risk management with the aim of maintaining KBank’s stability as a leading financial

previous year. This is due to the increase in administrative expenses which are doubtful accounts and long-term employee benefits. Finance cost The financial cost for 2019 amounted to Baht 102 million, a