% (68.5) (529.4) 672.8% Gross profit 420.1 427.9 446.0 4.2% 6.2% 774.6 873.9 12.8% Net gain (loss) on exchange rate (47.6) 112.2 (58.6) N.A. (100) Other income 11.0 173.0

Million Baht 2020 2019 Sales 1,879.42 1,748.29 Cost of Sales 1,570.97 1,636.11 Gross Margin 308.45 112.18 Gain (loss) on exchange rates 101.34 38.44 Other Incomes 10.12 33.76 Total Revenues 1,990.88

profit 463.1 465.6 496.5 6.6% 7.2% 1,337.0 1,401.5 4.8% Net gain on exchange rate 37.6 30.9 83.6 170.6% 122.3% 91.2 169.6 86.0% Gain on forward contracts 8.4 4.5 6.0 33.3% (28.6%) 7.1 21.7 205.6% Gain from

) - (870.5) N.A.(

redemption was in fact a breach of such terms and conditions, and consequently caused damage to the customer who had to return the tax deduction money to the Revenue Department and pay for the capital gain tax

startups to access sources of capital efficiently at reasonable costs.”“Presently, SEC has the existing equity crowdfunding rules since 2015 for SMEs and startups with clear business plans to gain easier

always focuses on personnel development to ensure that our employees gain knowledge and understanding of the overall industry picture vis-à-vis customers’ businesses. Equipped with in-depth knowledge on

allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this quarter. C

business strategies, the aforementioned endeavors allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad. B Contents Page

3Q17 declining to 5.6% from 5.8% at the end of 2Q17. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 316 million and had gain of Baht 149 million. For