the capital market can cause broad impact and hurt the economy which in turn affect development of the country. It can also bring damages to people in all walks of life. Lawyers Council under Royal

, the cost of sales and services increased as the Company recognized loss from write-down of inventories to net realizable value, which further hurt the Company’s gross profit. In 2022, selling and

THB 3.99 million (+25.25%) from increasing interest rate, still hurt the Company’s net profit. In 3Q2023, the Company’s net profit amounted to THB 51.25 million, increased by THB 37.56 million YoY

, still hurt the Company’s net profit. Nevertheless, certain expenses increased in 2023 which include: (1) an increase in Bank fees of THB 50.63 million due to an increase in credit cards transactions as

severe flooding or heavy monsoon rains also deals a serious blow to households’ properties and quality of life. These extreme events would inevitably hurt demand for financial services as well as borrowers

inevitably hurt commercial banks’ opportunities and business operations. 1.3 Significant Regulations and Rules related to Business Operations2 Significant regulations and rules that may have affected KBank’s