impairment loss on loans, in line with our improved asset quality. Moreover, net interest income rose Baht 4,377 million or 4.65 percent, which was derived mainly from interest income from both loans and
and integrity to enforce these standards actively and even-handedly; and oversee the effectiveness of the accounting and audit professionals. Priority 4: Board performance needs to be improved by
&A in terms of % to revenue improved from 7.0% in Q3 2021 to 6.0% in Q3 2022. Core operating profit (defined as Earnings before Interests and Taxes exclude interest income, gain (loss) on exchange rate
terms of % to revenue improved from 7.5% in Q4 2021 to 5.9% in Q4 2022. Core operating profit (defined as Earnings before Interests and Taxes exclude interest income, gain (loss) on exchange rate and
impacted the European car production volume. European car production reduced from 21.2 million cars in 2019 to 15.7 million cars in 2021. Dealership business in both Thailand and Malaysia slightly improved
private sector in conducting and managing foreign exchange transactions, together with providing Thai investors increased investment options with improved risk diversification. KBank has put in place
supervision of personal loan business to include car title loan, to allow grassroots-level consumers improved access to loan at a reasonable cost and ensure fair conditions for them. Revise criteria to allow
with improved efficiency. The net profit margin increased from -6.9% in the 1st quarter of 2020 to 4.7% in the same period of 2021. However, the reported net profit of THB 28.5 Mn includes an adjustment
term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of Core Businesses 3.1 Sustainable Development and Corporate Governance Notable progress of KBank’s
performance of airline and airport businesses were improved as a result of 8.4 percent growth in number of passengers in which its passenger load factor was at 76.4 percent. Despite the revenue growth, the