eligibility for exemption of tax on interest income of savings account and return on deposit in accordance with Islamic Shariah principles in amounts of up to Baht 20,000 from all accounts during a tax year

and the same period of last year included: 18 (Unit: Percent) Financial Ratio Q1-2019 Q4-2018 Change Q1-2018 Change Return on Assets (ROA)1) 1.27 0.91 0.36 1.46 (0.19) Return on Equity (ROE)1) 10.46

constant income with appropriate duration of asset holding and disciplined investment. Notable funds included K Global High Impact Thematic Equity Fund (K-HIT), K Complex Return 1 Year A Fund (KCR1YA) and K

Ratio Q2-2018 Q1-2018 Change Q2-2017 Change Return on Assets (ROA)1) 1.45 1.46 (0.01) 1.26 0.19 Return on Equity (ROE)1) 12.10 12.14 (0.04) 10.78 1.32 Net Interest Margin (NIM)1) 3.39 3.37 0.02 3.43 (0.04

opportunity for such a debtor’s business to return to normal operation more expeditiously. KBank has studied and analyzed the impact of this new law, and has proposed recommendations as well as having conducted

PowerPoint Presentation Management Discussion and Analysis 3rd Quarter of 2020 Q3/2020 Q3/2020 and Recent Highlights In the third quarter of 2020, economic factors that affected company's results of operations include (i) natural gas price and coal price that continued to drop further from previous quarter resulting in lower costs of sales and increasing industrial customers sales margin in spite of the slightly decrease of the fuel adjustment charge (Ft) for the collection of September - Decemb...

) Financial Ratio Q2-2017 Q1-2017 Change Q2-2016 Change Return on Assets (ROA)1) 1.26 1.43 (0.17) 1.41 (0.15) Return on Equity (ROE)1) 10.78 12.44 (1.66) 12.79 (2.01) Net Interest Margin (NIM)1) 3.43 3.41 0.02

2.70 10,405 (2,194) (21.09) Net Profit (attributable to equity holders of KBank) 9,744 10,917 (1,173) (10.75) 9,473 271 2.85 Basic Earnings per Share (Baht) 4.07 4.56 (0.49) (10.75) 3.96 0.11 2.85 When

The opinions of the Independent Financial Advisor on the connected transaction (For the purpose of translation only) 0 The opinions of the Independent Financial Advisor on the connected transaction by Thai Wacoal Public Company Limited Presented to Shareholders of Thai Wacoal Public Company Limited Prepared by 8 March 2019 This English report of the Independent Financial Advisor’s Opinions has been prepared solely for the convenience of foreign shareholders of Thai Wacoal Public Company Limited...

........ Year ............. Year ............. Year ............ Total assets Total liabilities Shareholders’ equity Total income Cost Net profits Earnings per share (EPS) Debt/equity ratio (D/E ratio) Return on