Oxides and Derivatives (IOD) segment’s continued development as envisaged in our strategy announcement in February 2019 and includes much sought-after portfolios of value-added EODs and Propylene Oxide (PO

purchase of accounts receivable was 77.2 percent of the total income. The Profit from loans receivable from purchase of accounts receivable which was the revenues from fully amortized bad debt portfolios

proprietary portfolios; (7) Any other financial institutions specified by the Office with the approval of the Securities and Exchange Commission; (8) Securities companies for the management of assets of any

the management of proprietary portfolios; (7) Any other financial institutions specified by the Office with the approval of the Securities and Exchange Commission; (8) Securities companies for the

monitored for their impacts on portfolios, and updated for reference in KBank’s database available to relevant users covering criteria for credit granting, management and credit risk management tools. Credit

acquisition cost for portfolios of loans purchased and Foreclosed Collateral Properties with various holding periods as of 30 September, 2019 Time since acquisition Less than 1 years From 1 to less than 2 years

previous recorded in 3Q.2019, due to an increase in bank loans to acquire new portfolios and short-term loans for working capital. ● Interest and discount on promissory notes in 4Q.2019 was lower by 52.82

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...

Company Limited The following table sets forth certain details regarding the company’s cash collection and acquisition cost for portfolios of loans purchased and Foreclosed Collateral Properties with

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2019 In the first quarter of 2019, the Thai economy continued to sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has e...