situations that may incur losses to KBank, for increased efficiency in risk management, ensuring that KASIKORNBANK FINANCIAL CONGLOMERATE will be able to maintain long-term sustainable risk- adjusted returns
criteria for commercial lending policies, prioritizing risk assessment through prudent screening and close monitoring of borrowers, especially those in small and micro businesses. Moreover, we adjusted
management’s handling of financial risk or difficulties and seek regular reports. 7.3.3 The board should ensure that any actions to improve the company’s financial position are reasonable and made for a proper
higher dividend received from Glow IPP, iii) a 14.5% lower of Administrative Expenses from accounting adjusted of doubtful debt amounted of Baht 22.5 million in 1Q2018, iv) a 20.3% lower of Financial Costs
ให้สามารถรองรับค่าใช้จ่ายในการประกอบธุรกจิ หรือความเสียหายทีเ่กดิจาก operational risk ส าหรับส่วนทีเ่กินจากเงินกองทุนข้ันต ่า โดยก าหนดให้ต้องด ารง ด้วย adjusted equity (adjusted equity หมายถึง มูลค่า
excluding FX impact /4 Normalized Net Profit = Net Profit excluding FX impact * Adjusted with Revenue Levelization (TFRS15) for comparison purposes. Normalized Profit for 2019 has effects from TFRS15 KEY
3,946 20% Non-controlling interests (950) (78) (392) (59%) 400% (1,258) (470) (63%) Net profit for the Company 1,081 1,580 1,896 75% 20% 2,023 3,476 72% Adjusted Net Income3 1,441 1,948 2,264 57% 16
investments in associates and JVs /3 Normalized Total Revenue = Total Revenue excluding FX impact /4 Normalized Net Profit = Net Profit excluding FX impact * Adjusted with Revenue Levelization (TFRS15) for
Mutual Funds - Ratanabanchuen & Saengchote © Four Stylized Facts about Open-Ended Equity Mutual Funds in Thailand 1. Most funds do not beat the market, whether it is raw or risk-adjusted returns. 2. Most
%) 329.3 8.6% 467.9 (337.5%) EBITDA ทีปรบัปรงุแล้ว (Adjusted EBITDA)3 997.0 38.7% 1,132.5 29.7% 135.6 13.6% กาํไร (ขาดทนุ) สาํหรบังวดทีปรบัปรงุแล้ว 311.4 12.1% (98.4) (2.6%) (409.8) (131.6%) 1 เมอืวนัท ี8