period of the soft loan program for equipment replacement and productivity enhancement, which is intended to provide funding for SME business expansion and liquidity support. KBank also organized numerous

in other expenses and premises and equipment expenses, as expenses to improve efficiency of business operations and marketing expenses were high in the previous quarter. Compared with the first quarter

from the employees’ expenses, and the premises and equipment expenses. Table: Other Operating Expenses (Unit: Million Baht) Items Quarter Variance Quarter Variance For years Variance 4/2018 3/2018 (%QoQ

and equipment expenses that provide for business expansion. The ratio of operating expenses to total operating income is at 40.4%, which is decreased when compared to the third quarter of 2017 was at

and equipment expenses that provide for business expansion. The ratio of operating expenses to total operating income is at 40.4%, which is decreased when compared to the third quarter of 2017 was at

from the employees’ expenses, and the premises and equipment expenses. Table: Other Operating Expenses (Unit: Million Baht) Items Quarter Variance Quarter Variance For years Variance 4/2018 3/2018 (%QoQ

COMPANY LIMITED ERW: THE ERAWAN GROUP PUBLIC COMPANY LIMITED ESTAR: EASTERN STAR REAL ESTATE PUBLIC COMPANY LIMITED ETC: EARTH TECH ENVIRONMENT PUBLIC COMPANY LIMITED ETE: EASTERN TECHNICAL ENGINEERING

Variance 1/2018 1/2017 Amount (%YoY) Employees' expenses 360.6 351.6 9.0 2.6 Premises and equipment expenses 184.0 182.3 1.7 0.9 Other expenses 141.8 139.3 2.5 1.8 Total 686.4 673.2 13.2 2.0 Profit before

Variance 1/2018 1/2017 Amount (%YoY) Employees' expenses 360.6 351.6 9.0 2.6 Premises and equipment expenses 184.0 182.3 1.7 0.9 Other expenses 141.8 139.3 2.5 1.8 Total 686.4 673.2 13.2 2.0 Profit before

) Employees' expenses 417.0 530.5 (113.5) (21.4) 362.6 54.4 15.0 Premises and equipment expenses 174.2 183.4 (9.2) (5.0) 186.8 (12.6) (6.7) Other expenses 184.3 184.0 0.3 0.2 154.3 30.0 19.4 Total 775.5 897.9