21% 34% 51% 1% 13% 35% 2016 2017 2018 2019 2021 Necessity HVA Cracker proforma Core EBITDA Margin (%) Core ROCE (%) Olefins Core EBITDA ($m) Note: 2016-2018 Core EBITDA Margin and ROCE based on actual

financial innovations in support of the drive towards a cashless society for service efficiency enhancement and reduced costs. Of note was the QR code payment acceptance service via Electronic Data Capture

Thailand 4.0 policy for a cashless society, KBank developed various products and services for greater convenience and work efficiency of our customers. Of note were co-promotions with our B2C customers in

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

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