assessing possible impacts, placing 5 importance on efficient risk management under the supervision of the Enterprise Risk Management Division, Market Risk Management Sub-committee and Risk Management

)% (4.6)% 35,330 33,009 7.0% Earnings per share (Baht) 4.24 4.73 4.45 (10.3)% (4.6)% 18.51 17.29 7.0% Net interest margin 2.46% 2.42% 2.31% 0.04% 0.15% 2.40% 2.32% 0.08% Net fees and service income to

Bank and its Subsidiaries Million Baht Item Quarter Change (%) Year Change 4/2017 3/2017 4/2016 3/2017 4/2016 2017 2016 (%) Net profit * 8,496 8,161 8,267 4.1% 2.8% 33,009 31,815 3.8% Earnings per share

increasing its oil production continuously. Further tension is mounted with Saudi Arabia’s efforts to increase its market share through Saudi Aramco; the Saudi Arabian government’s state enterprise, announced

Business of the Company, Bangchak Green Net Co.,Ltd., Bangchak Retail Co., Ltd., and share of profit from Oam Suk Social Enterprise Co., Ltd. 3/ EBITDA from Power Plant Business of BCPG Plc. and its

, holding the largest market share in new business premiums. All of the above endeavors and satisfactory operating performance, together with sound corporate governance, allowed KBank and K Companies to meet

2018 (%) Net profit * 8,002 9,438 8,101 (15.2)% (1.2)% 35,816 35,330 1.4% Earnings per share (Baht) 4.19 4.94 4.24 (15.2)% (1.2)% 18.76 18.51 1.4% Net interest margin 2.22% 2.35% 2.46% (0.13)% (0.24

Exchange of Thailand on December 16, 2019, and the transition from state enterprise to a fully commercialized public company. The main objective is to establish the efficiency and strength to our core

Retail Co., Ltd., and share of profit from Oam Suk Social Enterprise Co., Ltd. 3/ EBITDA from Power Plant Business of BCPG Plc. and its subsidiaries 4/ EBITDA from BBGI Co., Ltd. (Bangchak Biofuel Co., Ltd

the world’s large oil producers. Heavy sell-off of shares was evident, which triggered the “circuit breaker” of the Stock 8 Exchange of Thailand in order to temporarily suspend share trading for the