Discussion and Analysis Quarter 3 Ended 30 Sep 2017 To The President of the Stock Exchange of Thailand Management’s Discussion and Analysis Consolidated Financial Results for the three-month and the nine-month

Discussion and Analysis For the year 2017 To The President of the Stock Exchange of Thailand Management’s Discussion and Analysis Consolidated Financial Results for the year 2017 For the year ended 31 December

percent To The President of the Stock Exchange of Thailand Management’s Discussion and Analysis Consolidated Financial Results for the three-month and the six-month : Q2/2017 For the three-month ended 30

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained traction, buoyed by both domestic and international factors. However, the business sector faced rising challenges, namely various forms of competition, a borderless marketplace within the ASEAN Economic Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus lea...

consecutive year 16 4. Operating Performance and Financial Position Analysis 4.1 Operating Performance KBank’s consolidated net profit for the second quarter of 2018 totaled Baht 10,917 million, slightly

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter of 2019. Exports, tourism and private investment – among major economic activities – were hampered by the worse-than-expected global economic slowdown. Meanwhile, consumers’ purchasing power weakened amid high household debt, whereas public investment and the government’s budget disbursement were aff...

4.1 Operating Performance KBank’s consolidated net profit for the third quarter of 2019 totaled Baht 9,951 million, slightly increasing Baht 22 million or 0.23 percent over-quarter. The increase could

. Choice, Pet Select) and pet food (Maria). The Company has discontinued distributorship of Nabota, Aesthetic Innovation Product from Korea, around end of 2019, therefore, there will no revenue shown in 1st

classification, measurement of financial assets and financial liabilities, impairment of financial assets and hedge accounting, KBank’s consolidated net profit for the first quarter of 2020 totaled Baht 6,581

established in line with international guidelines and principles, and applied throughout the Conglomerate. We engage in a consolidated risk management framework that emphasizes management of risks, e.g., credit