4.1 Operating Performance KBank’s consolidated net profit for the third quarter of 2019 totaled Baht 9,951 million, slightly increasing Baht 22 million or 0.23 percent over-quarter. The increase could

2.24 percent when comparing to the same period of the last year valued 2 percent that meaned the Company could manage the increase of net profit margin better than ever. Information of period Value

goods. Also, the price of domestic products could gradually increase that served middle to high income consumers. In Q4/2018, Cost of manufacture will be continually increasing as trend of oil and

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

decline could be attributed to an increase of Baht 1,493 million or 16.36 percent in our impairment loss on loans and debt securities to cope with economic uncertainties. Operating profit before provision

in line with income from investments, an increase in net premiums earned - net, and revenue from capital market products. Nonetheless, given one extraordinary item – an increase in retirement reserves

compensation from this termination of the lease agreement, which would thus increase cash flow which could be used as working capital and/or to develop other potential projects. Accordingly, the Board of

addition, the Company would earn profit from the compensation from this termination of the lease agreement, which would thus increase cash flow which could be used as working capital and/or to develop other

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

decreased c.15% YoY, mainly due to lower consumption as a result of price increase impacted by excise tax and sugar tax. Also, the products that were pipelined in 2017 could not maintain the volume by the end