corporates, particularly in the telecommunications sector, as well as from small and medium sized businesses for fixed investment and working capital purposes. There was a notable decrease in demand for

% 28.5 4.7% 72.7 - Remark: (1) Percentage of Total Revenue Item 1st Quarter 2020 2021 Number of New Equity Branches Opened during period (Branch) 1 1 Number of Equity Branches at Period End (Branch) 172

: 02-0195000 Item 2nd Quarter 1st Half 2019 2020 2019 2020 Number of New Equity Branches Opened (Branch) 16 3 23 4 Number of Equity Branches at Period End (Branch) 129 155 129 155 Number of New Franchise

into year-end due to continued strength at our customers taking into account the normal seasonal effects” 2. Outlook Marco environment experienced some notable headwinds particularly in the tourism

-interest income, derived mainly from an extraordinary item from the sale of a bank subsidiary. Meanwhile, net interest income enjoyed ongoing growth, albeit at a decelerating rate, due in part to a reduction

Zen Corporation Group Public Company Limited 662 Soi Onnuch 17, Suanluang, Bangkok 10250 THAILAND. Tel: 02-0195000 Item 1st Quarter 2019 2020 Number of New Equity Branches Opened (Branch) 7 1 Number of

in line with income from investments, an increase in net premiums earned - net, and revenue from capital market products. Nonetheless, given one extraordinary item – an increase in retirement reserves

to income ratio stood at 45.32 percent. KBank has set aside higher allowance for impairment loss on loans from the preceding year, with 1 In the 2019 Annual Report, this item is shown under the topic

been embraced and applied to match students’ lifestyles. Notable endeavors include the launch of an application for enhanced learning efficiency and support of cashless transactions among on-campus shops

In 2018 Annual Report, this item is shown under the topic, “Management Report”. B Meanwhile, KBank’s net interest margin (NIM) was 3.39 percent, which was within the set target, and cost-to-income