the year ended February 28, 2021 which were audited by Deloitte Touche Tohmatsu Jaiyos Audit Company Limited. The operating performance is summarized are as follows. Overview According to the Bank of

According to the Bank of Thailand and Office of the National Economic and Social Development Board data, the Thai economy in the first quarter of 2021 contracted by 2.6% compared with a decrease of 4.2% in

According to the Bank of Thailand and Office of the National Economic and Social Development Board data, the Thai economy in the second quarter of 2021 increased by 7.5% (y-y) compared with a decrease of 2.6

growth and returns while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity” and making KBank the Customers’ Main Bank for all eight customer

respectively. The THB 48.3 million increase from work in progress at the end of year and were waiting for issuance of invoices Other current assets Leasehold improvement and equipment Liabilities Bank overdrafts

) (25.53%) Total current assets 575.13 710.72 (135.59) (19.08%) Non-current assets Pledged and restricted bank deposits 88.15 67.36 20.79 30.86% Investment properties 97.79 4.52 93.27 2063.50% Property

of Baht 68,004.50 million, a decrease of Baht 5,069.55 million or 6.94% from the end of prior year. The decrease mainly came from repayment of bank loans. Shareholders’ equity as of June 30, 2017

(Unit: Million Baht) Liabilities 30 Sep. 2020 % 30 Sep. 2019 % Bank overdrafts and short-term loan 143.15 13.13% 83.00 10% Trade and other payables 304.72 27.94% 210.54 25% Liabilities under financial

transactions to cash, deferred income tax assets, intangible assets and Other non-current assets (Unit: Million Baht) Liabilities 30 Jun. 2021 % 31 Dec. 2020 % Bank overdrafts and short-term loan 190.00 18

-current assets (Unit: Million Baht) Liabilities 30 Sep. 2021 % 31 Dec. 2020 % Bank overdrafts and short-term loan 200.73 19% 143.00 13% Trade and other payables 345.42 33% 320.84 30% Liabilities under