10,386 million V3 27/02/63 9 Net Interest Income In the fourth quarter of 2019, net interest income fell by Baht 751 million or 4.2 percent from the third quarter of 2019 due mainly to lower interest

THB 14.1 Mn to THB 17.5 Mn respectively, an increase of THB 3.4 Mn or 24.0%. This increase was mainly due to an increased number of franchise branches. Meanwhile, the Group’s other income increased from

increase came from net interest income which rose Baht 608 million, or 2.63 percent, due largely to interest income from repurchase agreement transactions. Net interest margin (NIM) was equal to 3.37 percent

and subsidiaries reported Baht 9,744 million in net profit, decreasing Baht 1,173 million or 10.75 percent over-quarter. The decrease could be attributed to non-interest income, which dropped Baht 3,187

could be attributed to a decrease of Baht 221 million, or 2.08 percent in impairment loss on loans and debt securities and an increase of Baht 835 million, or 2.13 percent in net operating income which

million in net profit, increasing Baht 151 million or 1.40 percent over-quarter. The increase came from net interest income, which rose Baht 671 million, or 2.83 percent. Net interest margin (NIM) was equal

million, decreasing Baht 2,221 million or 25.23 percent, over-quarter. The decrease could be attributed to non-interest income which fell Baht 8,785 million, or 54.37 percent, due mainly to the volatility

totaled Baht 9,929 million, decreasing Baht 115 million or 1.15 percent from the previous quarter. KBank still recorded increased income. As evidenced, both net interest income and non- interest income rose

-Café 2 • Catering services such as parties, wedding receptions, restaurants or any events • Pop-up store sales in various locations Catering / Pop-up 3 1 Franchise Fee Income 4 • Revenue recognition of

to an incre s, the detai e Income an e income a than the 3rd income an 16 of 33.7% ing the 3rd q d and bever Service Inc urred rental e 3rd quarter is, Q3/2017 Discussion a hange of Th c Company