255 million or 1.11 percent in net interest income, derived from rising interest income from investment. KBank maintained key financial ratios at levels consistent with our overall economic performance

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

The opinions of the Independent Financial Advisor on the connected transaction (For the purpose of translation only) 0 The opinions of the Independent Financial Advisor on the connected transaction

customer of insurance since the market trend of Insurance Outbound Telesales services was slowdown which because of the highly strict of relevant laws and also the various ways of approach the customer. 2.3

% 48.8 37.7 11.1 30% Financial Cost 0.6 0.4 0.2 76% 1.5 0.9 0.6 63% Profit before income tax expenses (68.2) 6.9 (75.1) (1,069%) (39.8) 33.1 (72.9) (220%) Income tax expenses 13.6 (1.3) 14.9 1,153% 7.9

Bangkok, December 23, 2015 - According to the highly publicized news coverage on share transfers of a person, the SEC after probing into the case has imposed administrative sanctions on three

Bangkok, December 23, 2015 ? According to the highly publicized news coverage on share transfers of a person, the SEC after probing into the case has imposed administrative sanctions on three

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

assumption is material because of the subjectivity and judgment required to account for highly uncertain matters, as well as whether the estimate or assumption will have a material impact on financial

, resulting in a downward revision for Thailand’s GDP forecast. The outbreak disrupted employment and increased financial system vulnerabilities. However, at its meetings on June 24 and August 5, the MPC