1H’19 Management Discussion & Analysis Page 2/6 Financial Performance Summary for Q2’19 vs. Q2’18 The Company reported Q2’19 total revenues from sales of THB 6,295 million, increased by 5.7% YoY (or

quarter, the refinery business recorded an inventory loss of THB 9 million (included lower of cost or market (LCM) of THB 689 million) a decline from Q1/2018’s inventory loss of THB 70 million. Moreover, as

of the Annual Budget Expenditure Act, and the drought that would affect a large number of related businesses and employment. Number of tourists was expected at a much lower number than the previous

, Commercial & Industrial and Construction Machinery & Materials. Corporate Lending provides lending services to listed companies clients and large corporate clients or financing for Investment Banking

provides lending services to listed companies clients and large corporate clients or financing for Investment Banking transaction of Capital Market Business. Current outstanding loans totaled Baht 21,948

may decline, currently standing at B563, in exchange for higher ARPH (average revenue per household) in the long run. Expanded strategic digital services for both enterprise and consumer With a complete

THB 1,482 million, decreased by THB 4 million (or -0.3% YoY), mainly due to a decline in OEM-personal care (for 4Q’19, others segment recorded at THB 431 million, an increase of 1.2% YoY). However, the

dropped as a large number of fixed-term deposit accounts reached maturity, and there was a cash outflow from current and savings accounts at three or four banks. Looking at the remainder of this year

decline could be attributed to an increase of Baht 1,493 million or 16.36 percent in our impairment loss on loans and debt securities to cope with economic uncertainties. Operating profit before provision

customer privacy. Being aligned with our business strategies, KBank and subsidiaries thus reported that net profit for the first quarter of 2019 totaled Baht 10,044 million, decreasing Baht 722 million or