Thai debt market. To cope with domestic and international economic and political uncertainty, as well as rapid changes in fund flows as above, KBank is closely monitoring the situation and assessing

export sector according to the economic direction. However, the commercial banks remained cautious in loan credits as their concern on loan portfolio quality which is non-performing, especially household

according to the economic direction. However, the commercial banks remained cautious in loan credits as their concern on loan portfolio quality which is non-performing, especially household and small business

Group Crude Oil Price Situation (Unit : USD/BBL) Crude Oil Price Q2/2017 Q1/2018 Q2/2018 YoY QoQ 6M 6M YoY AVG AVG MAX MIN AVG % % 2017 2018 % Dubai (DB) 49.68 63.96 77.29 64.69 72.07 45% 13% 51.38 68.01

Situation (Unit : USD/BBL) Crude Oil Price Q3/2017 Q2/2018 Q3/2018 YoY QoQ 9M 9M YoY AVG AVG MAX MIN AVG % % 2017 2018 % Dubai (DB) 50.43 72.07 80.45 69.61 74.22 47% 3% 51.06 70.10 37% Dated Brent (DTD) 52.08

such as tour package. Further, in March and April 2020, which is in the Covid-19 situation, more people stay at home and the watching of TV increases accordingly. The change of consumer behavior directly

to the SEC Office within seven days after the date on which the approved Thai government agencies becomes aware or should have been aware of such situation. Clause 30 The approved Thai government

aware of such situation. Clause 30 An approved foreign entity for offer for sale of bonds shall submit the following reports to the SEC Office in accordance with the procedures specifed in Clause 7: (1

, though actual implementation will likely be started from 2019 onwards. Nevertheless, there remain downside risks from an inclination towards protectionism, as exemplified by the US-China situation, and

adjusted of Ft charge relatives to gas cost) however, this was the temporary situation as gas price starting to lower in Q2’2019 Furthermore, there was a relatively more scheduled maintenance in Q1’2019