25.51 Net Profit Margin (%) 2.35 3.18 3.55 Current Ratio (Times) 1.43 1.51 1.28 Debt to Equity Ratio (Times) 1.81 1.48 1.76 Book Value per Share (Baht) 2.25 2.39 2.39 Net Profit per Share (Baht) 0.43 0.57

compared to the same period of the year 2016 which is related to the rise of revenue. The Company’s gross profit is Baht 42.87 million or 16.70% according to its goal. 3. The total administrative expense is

45.30 -3.15 -6.95% Income tax expenses 9.17 11.69 -2.52 -21.56% Net profit for the period 30.77 32.37 -1.60 -4.94% Gross profit margin 57.16% 61.99% Net profit margin 11.06% 14.40% 1. Sales revenue Sales

%) EBT 51.32 11.40% 36.98 9.35% (14.34) (27.94%) Corporate Income Tax (10.63) (2.36%) (14.09) (3.56%) 3.46 32.55% Net Profit 40.68 9.04% 22.90 5.79% (17.78) (43.71%) Page 2 Revenue from Sale of real estate

declined yoy whereas revenue per head remained on the rise. The increase of revenue per head was Operation : Consolidated Profit & Loss Statement 3Q 3Q % 9 mth 9 mth % Unit : THB million 2019 2018 change

15.66% 60.67 7.86% (95.85) -61.24% Corporate Income Tax (33.43) -3.34% (24.24) -3.14% (9.19) -27.49% Net Profit 123.09 12.31% 36.43 4.72% (86.66) -70.40% Page 2 Revenue from Sale of real estate Revenue

down from 149.60mTHB in the same period of 2016 a decrease of 9.7%  Net income: 10.49mTHB in Q3 2017 compared to 18.78mTHB in Q3 2016 a decrease of 44.1%; YTD net income of 58.67mTHB compared to

in gains on trading and foreign exchange transactions, gains on investments, and net fees and service income mainly attributed to a rise in fee income from bancassurance and mutual funds. The Bank’s

8.00%, decreased from the same period of last year by 2.13 million baht or 30.26% of net profit of quarter 3 of 2018. The main reason was from a decline in revenue from sales and a rise in cost of sales

Ending Dec. 31, 2017 +100 bps THB 177 Foreign Currencies (35) Total Effect of Interest Rate Change 142  Equity Risk in Banking Book Activities KBank has no policy to increase equity investments that are