. Without proper and timely adjustment, competitiveness and debt servicing ability of the business sector may be jeopardized, which would eventually affect KBank’s asset quality. 1.3 Significant Regulations

, especially at the end of the third quarter of 2017. By then, another issue – guidelines for adjustment in the European Central Bank’s asset purchase program for 2018 – should be closely monitored. In Thailand

Baht 0.29) The decrease of profit in amount of Baht 11.50 million comes from the following major transactions. 1. The increase of claim and adjustment expenses compared to the same period of last year in

cost. Moreover the minimum wage adjustment was increased in 2017. 2. The administrative expense has been increased due to impairment loss on investment which is the available for sale investment since

the ratio of the claim expenses (including loss adjustment expenses) over net earned premium increased from 60.22% in the previous year to 61.59% in the reported year because of the fact that the

maintenance coupled with the adjustment of severance payment for labor retirement benefits, the Company reported net loss of Baht 26.9 million. Loss per share was Baht 1.26. Six-Month Period The Company

the same quarter of last year, but the price adjustment was not immediately possible. Labor costs have increased due to the minimum wage adjustment in April. In addition, the cost of depreciation

% due to adjustment on exchange rate Baht 4.14 Million. - Cost of finance from Baht 6.76 Million of Q2/2017 to Baht 6.09 Million in Q2/2018 decreased Baht 0.67 Million or 9.91% due to less on use of loan

Q2/2018, compared with the same period of 2017, comes from the adjustment of the provision from liabilities in Joint Venture according to the Supreme Court judgment which has previously been recorded

Baht, increasing 50.81% compared to the same period last year due to the adjustment of decremented provision and doubtful accounting policy to reflect the current assets value. 2. Cost of sales and