places were closed temporarily and travel restrictions imposed. Consequently, the Company’s marketing activities were suspended and over 70 branches were closed down temporarily, from April to mid-May. In

changes over the past few years. Traditional media such as television, newspaper, magazine and radio has been in steady decline, while Out-of-Home (“OOH”) and online/digital media have become the go-to

deforestation by 2030; • WWF estimates that a minimum of USD 42 billion per year is needed by 2020; • Restoration of peat forests and other burned areas in Indonesia is projected to cost USD 5.5 billion over five

Average Collection Period (Day) 49 49 56 Inventory Turnover Ratio (Times) 17.83 15.89 13.21 Average Days Sales of Inventory (Day) 20 23 28 Account Payable Turnover (Times) 6.09 6.25 5.54 Average Payment

• The Company’s Net Profit continues to grow and remark as a highest net profit for 6 th quarterly consecutively since 2017. • The Company’s Cash Collection in Q2/2019 equal to 706 million baht, increased

cost over the long term, which will in turn help reduce costs within the economic system.. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve

the protracted US-China trade negotiations and concerns over Brexit risks. For the final quarter of this year, a brighter outlook seems to be in store for the Thai economy, thanks to the government’s

5.23 Average collection period days 76 77 69 Inventory turnover times 4.90 5.13 5.96 Average inventory turnover period days 73 70 60 Account payable turnover times 5.22 5.00 5.70 Average payment period

2019 of Company’s subsidiaries in Thailand, the Company had commission income of 531 million baht from AEON Insurance Service (Thailand) Co., Ltd. and collection service income of 268 million baht from

) Co., Ltd. and collection service income of 202 million baht, increasing by 2% y-y from ACS Servicing (Thailand) Co., Ltd. 4 Expenses The Company’s expenses mainly consist of operating and