material are forward- looking statements with the relevant assumptions, which are subject to various risks and uncertainties. These include statements with respect to our corporate plans, strategies and

made in this material are forward- looking statements with the relevant assumptions, which are subject to various risks and uncertainties. These include statements with respect to our corporate plans

Company and/or subsidiaries. Such dividend shall not adversely affect the Company and subsidiaries ongoing operations. Disclaimer Some statements made in this material are forward- looking statements with

operations. Disclaimer Some statements made in this material are forward- looking statements with the relevant assumptions, which are subject to various risks and uncertainties. These include statements with

affect the Company and subsidiaries ongoing operations. Disclaimer Some statements made in this material are forward- looking statements with the relevant assumptions, which are subject to various risks

agreement of Baht 20 million; and (4) cash paid to finance costs of Baht 52 million. 6. Forward Looking The Company and its subsidiaries will continue to expand branded business overseas and hasten the

26 million; (3) cash inflows from liabilities under financial lease agreement of Baht 16 million; and (4) cash paid to finance costs of Baht 34 million. 6. Forward Looking The Company and its

financial institutions of Baht 114 million; and (3) cash paid to finance costs of Baht 66 million. 6. Forward Looking The Year 2019 was another challenging year for the Company. We dealt with uncontrollable

lockdown measures. In addition, the Company maintains management overlay in the amount of 1,378 million baht for a hedge with probable forward looking macroeconomics factors and the new wave of COVID-19

growth and returns while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity” and making KBank the Customers’ Main Bank for all eight customer