. Moreover, other operating expenses increased by Baht 4,381 million or 6.41 percent, especially from branding campaigns and marketing activities in line with KBank’s business direction. As a result, the cost

, other operating expenses rose Baht 765 million, or 5.03 percent over-year due in part to marketing expenses. As a result, our cost to income ratio increased to 41.20 percent from the same period of last

revenue from money market product increased from foreign exchange transaction. Moreover, other operating expenses increased Baht 1,976 million or 2.98 percent over-year, due mainly to marketing expenses. 1

operating performance allowed KBank and K Companies to meet business targets while also gaining wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this

(FIDF). Net interest margin (NIM) therefore stood at 3.49 percent. Meanwhile, other operating expenses decreased by Baht 3,695 million or 17.45 percent, over- quarter. As a result, our cost to income

and subsidiaries thus reported Baht 90,484 million in operating profit before provision expense and income tax expense, rising Baht 935 million, or 1.05 percent, over-year. The increase was derived from

by processes operating in nature, and as a result, generally must be maintained by human intervention in order to sustain the functions and services for which they were built.2 Given that background

May 9, 2018 Re : Operating Performance for Q1/2018 To : Director and Manager of the Stock Exchange of Thailand Revenue from sales and rendering of services L&E’s consolidated revenue from sales of

date HHC exercise Franchise by operating such branch, which HHC shall be entitled to operate the branches within 10 years) Zone Branches Franchise Period Eastern Zone where HHC already decided to operate

33,079 (99.0%) Food and beverage revenue 2,768 89,137 (96.9%) Other revenues 25,475 55,671 (54.2%) Hotel income 28,580 177,887 (83.9%) Cost of sales and services 167,971 210,143 (20.1%) Operating expenses