our status as a leading financial institution which can efficiently cope with potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of

management through the establishment of principles and policies for management of all risks, effective capital management and creation of a culture of risk awareness organization-wide. All these efforts are

potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of comprehensive risk management principles and policies, a risk-aware culture Bank

on predictive risk management through the establishment of principles and policies for management of all risks, effective capital management and creation of a culture of risk awareness organization

which can cope with potential economic uncertainties in a timely and efficient manner, KBank emphasizes big data analytics for predictive integrated risk management (IRM) through the establishment of

personal expenses and the depreciation because of the expanding capacity of subsidiaries. Sincerely yours, (Mr.Pongpat Patanavanich) Managing Director

Consolidated net loss for the period (Q1) amount -4.57 million compare with the same period (Q1) for the last year amount -2.80 because the Company Cost of Market Development of Expanding the customer base and

operations & Administrative expenses increased by Baht 97.94 million or 6.79 % due to the Medical personal expenses which was in line with the increased revenue,also increased because of the expanding capacity

& Administrative expenses increased by Baht 23.54 million or 13.02 % due to the Medical personal expenses also increased because of the expanding capacity of subsidiaries. 3. Finance costs increased by Baht 13.17

increased . 1.2 Cost of hospital operations increased by Baht 33.70 million or 7.89% mainly due to the Medical personal expenses also increased because of the expanding capacity of subsidiaries. 1.3 Selling