due to the recognition of special profits, while loan growth and credit quality were affected by the economic slowdown. The combined net profit of the commercial banking system was Baht 270.9 billion, a

customers’ business and personal needs at any given time. In this quarter, KBank implemented our credit policy in support of government measures. One notable initiative was the loan program offered to

2019, loans revenue was 3,020 million baht, an increase of 381 million baht or 14% y-y. This is because the Company integrated credit limit of personal loan and purpose loan to AEON Happy Pay program in

: Million Baht 3Q/18 2Q/19 3Q/19 %QoQ %YoY 9M18 9M19 %YoY Credit card income Loan income Hire-purchase income Other income 1,914 2,689 111 511 1,887 3,020 173 584 1,897 3,048 192 841 1% 1% 11% 44% -1% 13% 73

give more support and necessary controls in the weak areas. The Company expects to use the credit facilities from banks, the corporate debentures, and working capital as the source of fund for the Loan

and adjustment of unsecured personal loan providers after measures for controlling credit card and personal loan under supervision of the Bank of Thailand came into force September 1, 2017. Focus should

supported debtors who were affected from the pandemic. Although the loan quality is likely to deteriorate, Thai banks remained sound thanks to close monitoring of credit quality, high levels of capital fund

the Adjusted Book Methodology. Therefore, the offering price of B0.63 per share is an appropriate price. 2. Entering into the Credit Facilities Agreement with AM: IFA is of the opinion that even though

adjust the repayment terms (value of 550 million baht);                    - Negotiation and execution of a loan agreement amendment with unrelated parties on 9 June 2025 to extend the repayment period

, we developed loan products for customers in industries with brighter growth prospects. Of note were K-SME Medical Credit, K-Buyer Financing for Sub-dealer and Added up for Leasing. We have extended the