, the information provided in this MD&A may vary if any factors or situation are changed in the future; the investors are, therefore, required to have their own discretion regarding the usage of this

FY21 was 32 days, decreasing from 38 days in 2020. Although, AIS provided relaxed payment for consumers and enterprise clients during pandemic situation in 2Q21 and in the lockdown period in 3Q21, the

easing COVID-19 situation with a rebound of foreign tourists which boosted Thailand’s economic recovery. Nonetheless, domestic demand stayed soft due to the global geopolitical conflicts that created

international economic and political uncertainty, as well as rapid changes in fund flows as above, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk

other countries in the region. However, amid changing perspectives among certain groups of foreign investors prompted by their concern about the domestic political situation both before and after the

movements, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk management under the supervision of the Risk Oversight Committee, Market Risk

flows as above, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk management under the supervision of the Enterprise Risk Management Division

new ordinary shares is a condition that financial institutions, the long-term loans from financial institutions will be part of the Group's financial restructuring plans to be more appropriate. The sale

many areas that resulted in the destruction of crops and household assets. Towards the end of this year, domestic political situation will also warrant monitoring as the National Council for Peace and

5.0 percent in which the Russian tourists had the highest growth at 24.9 percent, following by the tourists from East Europe and Spain with 18.3 and 4.8 percentage growth respectively. For the situation