UNOFFICIAL TRANSLATION Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. Notification of the Office of the

apparent during the second half of 2019. Meanwhile, close attention should be paid to home loan business after the Bank of Thailand’s new measures for mortgage loan supervision came into force at the

2018 that may have affected KBank’s and K Companies’ business operations included:  Bankruptcy Act (No. 10) B.E. 2561 (2018) Bankruptcy Act (No. 10) B.E. 2561 (2018) which came into force March 3, 2018

) 2.4 3.1 Net profit (after MI) 2 (%) 13.9% 23.7% Average collection period7 (days) 77 69 Return on equity3 (%) 11.1% 17.4% Payable days (days) 124 145 Efficiency Ratios Leverage Ratios Return on assets4

disruption due to several declared force majeure and the North American PTA and PET industry is facing acute acetic acid and MEG shortage, highlighting the advantage of IVL’s integrated model. 4 Our downstream

TRANSLATED VERSION codified up to No.3 as of August 20, 2014 Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference

categories especially in durable goods which showed significant contractions since the second quarter onwards from the contractions in vehicle sales. Key factors include the weakened household income and

especially in durable goods which showed significant contractions since the second quarter onwards from the contractions in vehicle sales. Key factors include the weakened household income and tightening of

December 31, 2018 Current Ratio (Times) 1.51 1.48 Quick Ratio (Times) 0.61 0.65 Cash flow Liquidity Ratio (Times) 0.70 0.54 Account Receivable Turnover Ratio (Times) 9.69 8.58 Average Collection Period (Days

demand faced contraction in the same direction as private consumption on durable goods and services significantly contracted because people avoided going outside. Other fators include the suspension of a