domestic automotive industry while also maintaining healthy asset quality. Meanwhile, KASIKORN FACTORY & EQUIPMENT CO., LTD. enjoyed continually high loan growth. In addition, Muang Thai Life Assurance PCL

market, including the supervision of securities settlement systems, is fundamentally sound, secure, efficient and reliable. They also recommended that the following identified deficiencies, mostly in the

investors should ordinarily seek to exercise all voting rights. A high voting turnout at general meetings will help ensure that decisions are sound and representative. Votes should be exercised in a

financial position as at 31 December 2020 represented healthy with total assets THB 4,157.5 million, -1.9% compared with ending 2019. Without Goodwill of THB 490.1 million, Company showed total assets of THB

Even though the Thai financial system remains strong, with commercial banks holding healthy levels of capital and liquidity reserves, the liquidity stress and the resulting irregularity in the

resource utilization, along with better IT systems to ensure that we will attain our business goals. All of the above endeavors and satisfactory operating performance, together with sound corporate

sustainable growth and returns while maintaining our market leadership under sound corporate governance and appropriate risk management. Guided by our core strategies of “Customer Centricity”, KBank has decided

. Overall, we always provide support to commercial loans and lending for energy efficiency as well as the harnessing of clean energy in place of fossil fuels, based on sound corporate governance practices

faithfully, Mr. Hiroaki Sano Managing Director 2018 2017 Gross profit margin 21.5% 19.9% Net profit margin 15.2% 11.6% Debt to Equity ratio 0.09 0.11 Earnings per share 2.58 1.90 ROA 15.8% 12.3% ROE 16.3% 13.2%

average Total Assets Return on Equity (ROE) = Net Profit to average Total Equity Yours faithfully, Mr. Hiroaki Sano Managing Director 2019 2018 Gross profit margin 23.7% 21.5% Net profit margin 19.3% 15.2