Type of securities : Common share | Effective Date : 21/06/2021 | Close Selling Date : 25/06/2021

ประเภทหลักทรัพย์ : หุ้นสามัญ | วันที่มีผลใช้บังคับ : 21/06/2564 | วันที่ปิดการขาย : 25/06/2564

E_1 Legal_FA_2015_12_29-c A FFeeCCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended September 30, 2017 The Thai economy maintained steady growth in the

2,518 million, or 3.94 percent, over-year. Moreover, KBank has set aside higher allowance for impairment loss on loans to maintain our financial position stability. Therefore, our net profit for 2017

retained its leadership in the bancassurance business, holding the third-largest market share in total premiums. To secure our status as a leading financial institution which can efficiently cope with

Projection by KResearch Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 2 for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and

social distancing practices put in place to combat the viral transmission, which have posed a new challenge to our competitiveness, while we have sought new business opportunities to secure our status as a

, especially Thai bonds, which are regarded as a safe haven because of Thailand’s economic stability – as evidenced by a low inflation rate and external debt, as well as a higher current account surplus than

Identity, Big Tech และ Data นอกจากนี้ มีการพัฒนานวัตกรรม ทางการเงินที่มีการผสมผสานระหว่างการเงินรูปแบบ centralization และ decentralization มากขึ้น เช่น การ นำประโยชน์ของ cryptocurrency มาสร้าง stable coin บน

revenue is from long-term PPA with state enterprises which has no direct impact from COVID-19 while revenue from industrial users (IUs) remains stable y-on-y in Q1’2020, thanks to portfolio diversification