and our customers both directly and indirectly. KBank has emphasized synergy with K Companies, strategic partners and startup firms for enhancement of our business capabilities to achieve sustainable

year 131.9 million Baht or increased by 63% This was because the Company’s cash collection improvement. In the first quarter of 2018, the cash collection was 514.0 million Baht which increased from the

context, KBank and K Companies operate our business as a Bank of Sustainability under appropriate risk management and good corporate governance. We accentuate enhancement of our business capabilities to

strategies including the launching of new products which were got positive feedback from the customers. Besides, the product segment management and the improvement of customer services were well implemented

for detecting potential data risk, which can thus be managed more efficiently in a timely fashion. - Preparation, improvement and enhancement of advanced threat prevention to ensure that digital and

improvement was mostly a result of lower prices of raw materials this year and improvement of production reliability. Financial Ratios Q3 2019 Q3 2018 Gross profit margin 28.6% 20.2% Net profit margin 22.0

significant rise to the world’s 3rd highest rank with 86 scores, from No. 15 with 75 scores in the preceding year. Such development was a result of the improvement in the Ease of Shareholder Suits Index

preparing financial statements.  The study also reveals the importance of the role of the executives, directors, and audit committee members in reducing financial statements adjustments, where improvement

Review Panel (“QARP”) First step with confidence Activities for audit quality enhancement Summary of inspection results Next step for stability Conclusion Significant statistical information 3 4 7 8 13 31

audit quality, training sessions on how to remedy the recurring deficiencies identified in several audit firms. Such efforts to develop audit 02 quality have evidently paid off with the improvement of the