period of 2 0 1 7 as driven mainly by rising expenses on office employees, office and miscellaneous expenses and depreciation and amortization expenses to support more workloads and more units from

64.05 26.74 65.09 1.60 5.98 Miscellaneous expenses 6.85 17.45 6.14 14.95 (0.71) (11.56) Depreciation and amortization 2.37 6.04 3.70 9.01 1.33 35.95 Tax and other fee 3.89 9.91 2.97 7.23 (0.92) (30.98

58.43 7.71 25.36 Miscellaneous expenses 7.14 17.05 5.78 11.11 (1.36) -23.53 Depreciation and amortization 3.06 7.31 3.82 7.34 0.76 19.90 Tax and other fee 4.01 9.58 3.02 5.80 (0.99) -32.78 Others/1 4.97

from Administrative employee and miscellaneous expenses Table 8: Administrative Expenses by Type of Expenses the Nine Months period ended 30 Sep (9M YoY) Administrative expenses Consolidated financial

, an increase of Baht 47.03 million or up by 2.21% due to the increase of income from promotional activities with suppliers, interest received, and miscellaneous income. 2. Gross profit from product

, higher interest received, and miscellaneous income. 2. Gross profit was Baht 4,030.10 million, an increase of Baht 178.34 million or up by 4.63% over the same period last year. In addition, gross profit

materially affected, or could materially affect, the company’s operations. Also disclose any significant components of revenues and expenses that are necessary to understand the issuer’s results of operations

component of revenue or expenses necessary to understand the issuer's results of operations. 2. To the extent that the financial statements disclose material changes in net sales or revenues, provide a

of 2019, KBank continued to prioritize upgrades of our capability in data compilation and analytics. This will allow us to understand and anticipate each individual customer’s needs under the “Segment

” concept. All of these endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept, and to provide smart, personalized financial and life solutions to the