: Beyond Banking; Embedded Trust; and, Everyone, Every day, Every way and Everywhere. To this end, we have set our sights on providing all customers with services beyond their expectations to become their

achievements exprESSEd or implied by such forward‐looking statements. None of the future projections, expectations, estimates or prospects in this presentation should be taken as forecasts or promises nor should

and future expectations of customer payments. As at 30 September 2018, the Company and subsidiary set allowance for doubtful accounts amounted to Baht 1,089 million. Inventories Inventories as of 30

34 million. The allowance for doubtful accounts policy, the Company and subsidiary assess primarily on analysis of payment histories and future expectations of customer payments. At end of the year

future which may not meet expectations, and risk relating to fluctuations over biomass fuels; and release of an obligation to seek financing for maintenance or additional investment in relation to the

(exclude spectrum) Approx. Bt 25-26bn 17Bn (Cashflow) Core service revenue to grow around 13-15% 9M24 performance exceeded expectations, benefiting from increased economic certainty in 3Q24. The low season's

postponement, given the US’s benign inflation, dampened market expectations of a third US rate increase this year. Third, the 7 Thai inflation rate averaged as low as 0.6 percent during the first nine months of

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

right time with ever-greater consideration of consumer protection and customer privacy, taking into account the changing customer expectations. Along with this, we focus on predictive risk management

customer expectations, consumer protection and customer privacy. Beyond these strategies, we focus on predictive risk management with the aim of maintaining KBank’s stability as a leading financial