customer experience. We have collaborated with our partners, cross-industry and cross-border, to create ecosystem partnerships under the “KASIKORNBANK and Beyond” concept, taking into account changing

KRUNG THAI ASSET MANAGEMENT PUBLIC CO.,LTD. 1 EMPIRE TOWER,32ND FLOOR, SOUTH SATHORN ROAD, YAN NAWA, SATHON, Bangkok 10120 Tel.0-2686-6100 Fax.0-2670-0430 10 MERCHANT PARTNERS ASSET MANAGEMENT LTD. 942

marketing with business partners. However, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains

% 227% 3,483 8,504 144% EBITDA 1,631 2,129 5,402 154% 231% 3,112 7,531 142% Shares of profit of associates and joint ventures 155 130 106 (18%) (32%) 306 236 (23%) Net profit for the company 1,053 942

%) 269% 4,483 12,585 181% Shares of profit of associates and joint ventures 131 106 138 30% 5% 438 374 (15%) Net profit for the company 899 1,081 893 (17%) (1%) 2,873 2,916 1% Adjusted Net Income1 956

by the Company or the group of companies which comprises the Company, its subsidiaries and associates being operated or to be operated, as the case may be. The information shall cover at least the

deliver a positive customer experience anywhere, anytime through collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, startups and our business partners under the

and our customers both directly and indirectly. KBank has emphasized synergy with K Companies, strategic partners and startup firms for enhancement of our business capabilities to achieve sustainable

975 2,129 118% 43% Shares of profit of associates and joint ventures 152 157 130 (17%) (14%) Net profit for the company 922 486 942 94% 2% Normalized Net Profit 990 578 1,053 82% 6% Gross profit margin

% Gross Profit1 2,477 4,599 5,365 17% 117% EBITDA 2,112 4,116 4,951 20% 134% Shares of profit of associates and joint ventures 130 463 (68) (115%) (152%) Net profit for the company 942 1,145 1,580 38% 68