2019, the Company spent THB 2,060mn on capital expenditure and investment, primarily in investment properties, property, plant & equipment purchased and investment in subsidiaries. CASH FLOW (THB mn) For

, plant and equipment (1,132) Increase in deferred tax assets (1,094,526) Decrease in accrued expenses 7,484 Decrease in retained earnings 30,557 Weighted-average incremental borrowing rate (% per annum

sales of securities, net insurance premiums and dividend income. Meanwhile, net fees and service income decreased due to a waiver of fee on funds transfer via digital channels. Net interest income

65.75% Total current assets 875.73 1,522.44 (646.71) (42.48%) Restricted bank deposits 56.01 56.40 (0.39) (0.69%) Property, plant and equipment 1,330.03 1,376.73 (46.70) (3.39%) Other non-current assets

1,076.24 1,522.44 (446.20) -29.31% Restricted bank deposits 56.40 56.40 0.00 0.00% Property, plant and equipment 1,346.28 1,376.73 (30.45) -2.21% Other non-current assets 2.33 3.04 (0.70) -23.17% Total

and banks. TBSP also provides other services including data printing, enveloping and mailing service, one-stop services relating to data management, forms, stationeries and equipment, document storage

financial institutions and banks. TBSP also provides other services including data printing, enveloping and mailing service, one-stop services relating to data management, forms, stationeries and equipment

provides other services including data printing, enveloping and mailing service, one-stop services relating to data management, forms, stationeries and equipment, document storage and destruction services

disposal of assets 435 1,021 165 (57.4)% 163.6% 2,134 1,049 103.4% Dividend income 616 667 691 (7.6)% (10.9)% 3,769 3,781 (0.3)% Other operating income 129 162 167 (20.4)% (22.8)% 562 1,218 (53.9)% Total

period of the soft loan program for equipment replacement and productivity enhancement, which is intended to provide funding for SME business expansion and liquidity support. KBank also organized numerous