time, KBank continued to consolidate branches to reduce redundancy, especially those with relatively low traffic. In the third quarter, KBank introduced Happy Loan Center at two locations, which is a new

ratio of the Company and subsidiary companies Unit: Million THB Type of Income Q2/2019 Q2/2018 %variance First Half 2019 First Half 2018 % variance Note 1. Income from Sale of Real Estate 1 1,366.28

investment tool that makes mutual fund investment easy to access and execute. With the key message, “Happy Saving with Aom No. 5 Campaign,” the campaign has arranged for facilitating conditions and processes

of the newly-issued ordinary shares totaling 50 percent of the total sold shares in Happy Products and Service Co., Ltd., which the highest transaction value equals to 0.41 percent based on the total

คำอธิบายและการวิเคราะห์ฐานะการเงินและผลการดำเนินงาน * Note Please find further information in the consolidated financial statements. 1 February 21st, 2020 Subject: Management Discussion & Analysis

* Note Please find further information in the consolidated financial statements. 1 23 February, 2018 Subject: Management Discussion & Analysis (MD&A) for the year 2017 Attention: The President The

* Note Please find further information in the consolidated financial statements. 1 9th May, 2018 Subject: Management Discussion & Analysis (MD&A) for the 1st quarter of 2018 Attention: The President

* Note Please find further information in the consolidated financial statements. 1 9th May, 2019 Subject: Management Discussion & Analysis (MD&A) for the 1st quarter of 2019 Attention: The President

* Note Please find further information in the consolidated financial statements. 1 8th August, 2019 Subject: Management Discussion & Analysis (MD&A) for the 2nd quarter of 2019 Attention: The

* Note Please find further information in the consolidated financial statements. 1 7th August, 2018 Subject: Management Discussion & Analysis (MD&A) for the 2nd quarter of 2018 Attention: The