was 0.96 times which reflect a capability for the Company to acquire more bad debt in the future. Summary of Revenues and Net Profit Q1/2017 Q1/2018 Change MB. % MB. % MB. % Services income from debts

expansion. The company also incurred cost Management Discussion and Analysis, Q2/2018 Page3/4 from insurance business amount 22.2 million baht which consolidate from insurance business acquire recently. Gross

shares and new shares for Construction Service Agreement only. Such investment is for the Company to acquire PPA rights of these projects, to be used as information to seeking joint venture partner. The

on the assumption that the Bank will acquire 100% stake in Permata (both under the SPA and through the mandatory tender offer to be conducted thereafter), using the value of net tangible asset

exchange risk protection and up-to- date information on the currency situation. For customer potential development, KBank has encouraged our clients to acquire business partners in the form of B2B (Business

% 565.9 78.2% 4.8 0.9% Cost of Sales 12.9 1.7% 157.5 4.3% 144.6 1121.1% Gross Profit 152.4 20.4% 156.16 12.6% 3.8 2.5% Gain from fair value adjustment on investment property 6.4 0.9% -3.5 -0.5% -9.9 -154.7

, while in year 2018 there was a total shareholders' equity of 249.90 million baht, decrease of 202.64 million baht or decrease of 81.09 percent due to operating losses and loss adjustment from Impairment

 shown by the movement of the foreign currency 'Translation Adjustment' in the shareholders funds section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None

revenues for the year 2015 and 2016 were 1.4%. Income Tax Income tax including corporate income tax and derferred tax which derived from the adjustment of deferred tax assets (liabilities). Income tax for

 currency 'Translation Adjustment' in the shareholders funds section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None Subsequent Event None Page 3 of 3