: Office of the National Economic and Social Development Council and Ministry of Commerce Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 3.2 3.6 2.8 2.3 1.5 0.8 0.7 1.1 0 1 2 3 4 3Q 4Q 1Q 2Q GDP Headline

National Economic and Social Development Council and Ministry of Commerce Ye ar -o n- Ye ar C ha ng e (p er ce nt) 2018 2019 2019 2019 2 1.2 Banking Industry and Competition Commercial banks’ overall

_ Ocean Commerce Public Company Limited 148/1 Soi Ramintha 14, Ramintra Road , Tharang, Sub - District Bangkok 10230 Tel: 02-943-6663-4 Fax: 02-943-6343 02-943-7740 No. OCMSET/1805/001 (translation

_ Ocean Commerce Public Company Limited 148/1 Soi Ramintha 14, Ramintra Road , Tharang, Sub - District Bangkok 10230 Tel: 02-943-6663-4 Fax: 02-943-6343 02-943-7740 No. OCMSET/1708/001 (translation

PMC, and PMC holds 99.9965% shares of PLC. Pattaya Lamphun Co., Ltd. has already registered its dissolution with Ministry of Commerce on December 25, 2017. Such dissolution does not have any effect to

guarantee assets at certain banks, however, banks’ performance was still under Thailand Economic Growth Sources: Office of the National Economic and Social Development Council and Ministry of Commerce

right time with ever-greater consideration of consumer protection and customer privacy, taking into account the changing customer expectations. Along with this, we focus on predictive risk management

customer expectations, consumer protection and customer privacy. Beyond these strategies, we focus on predictive risk management with the aim of maintaining KBank’s stability as a leading financial

21.8 1.4 2. Media and Agency 19.2 6.0 13.2 17.9 4.4 13.5 1.3 1.6 (0.3) 3. E-Commerce 2.7 13.4 (10.7) 2.6 12.6 (10.0) 0.1 0.8 (0.7) Total 96.4 65.7 30.7 71.7 41.3 30.4 24.7 24.3 0.4 1. Revenue from event

50.9% when compared with the first six-month of last year. This was resulting from a project with one customer to promote the application for a certain period of time last year. 3. Revenue from Commerce