K-IRQ: 2Q13 Page1. From CIRO. Dear KBank investors and analysts, 2Q13 Earnings Forecasts. No. of analysts

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1 Page1 Second Quarter 2013 At a glance KBank Interest rates Deposits (%) Effective Date Savings Vol.2 No Feb 12 Fixed-3m Jan 13 Fixed-6m Jan 13 Fixed-12m Jan 13 Fixed-24m Jan 13 Fixed-36m Jan 13 Lending (%) Effective Date MLR Oct 12 MOR Oct 12 MRR Oct 11 Max rate MRR Oct 12 Note: Interest rates above are for domestic retail customers KBank NPL gross Bank Consol Bt bn % Bt bn % 2Q Q Q Q13* Q13* n.a. n.a Note: * In 2Q13, KBank NPL net stood at 0.93% on the consolidated basis. NPL net is NPL after allowance for doubtful account of NPL. Industry (16 Thai banks) June 13 (Bt bn) Chg(%) Bank only YoY MoM Loans 9, Assets 13, Deposits 9, Equity 1, NPL gross 257 NPL gross% 2.4 NPL net 117 NPL net % 1.1 LDR (%) 98.4 Source: Bank of Thailand KBank Price Performance Close 31/07/13 SET Index 1, Bank Sector Index KBANK/L (Bt) Months (% chg) Months (% chg) Year (% chg) 4.29 KBANK/F (Bt) Months (% chg) Months (% chg) Year (% chg) 5.65 KBank Mkt. Cap. (Bt bn) 437 Note: Outstanding shares = 2,393,260,193 as of April 17, Source: KBank KBank Price Performance (2Q13) Mn shares Bt/shr Jan 10 Volume (L) Volume (F) KBANK (L) KBANK (F) 31 Jul 13 Source: Bloomberg From CIRO Dear KBank investors and analysts, KBank announced a 2Q13 net profit of Bt10,979mn, above market expectation. Loans expanded 4.78% YTD and 10.67% YoY. Loan growth was seen in all business segments. Corporate, SME, and Retail loans grew 7.2%, 3.1%, and 4.3% YTD, respectively. NIM was 3.52% in 2Q13, a slight improvement from the previous quarter. Non-interest income rose 9.92% QoQ and 21.39% YoY, mainly from continuous growth in net fees and service income, as well as net premiums earned from the life insurance business. Net fee income grew 3.33% QoQ and 23.63% YoY. Cost to income ratio increased to 42.65% in 2Q13, and is expected to seasonally rise in 2H13. NPL ratio rose slightly to 2.13%, due mainly to two large company-specific causes, but declined from last year. Provision dropped from 1Q13 to Bt2.2bn in 2Q13. In this period, the Bank also set aside a higher provision, in part to serve as a countercyclical provision to prepare the Bank for any potential future economic downturn or changing economic circumstances, both domestic and aboard. Credit cost was 64bps in 2Q13 and 84bps in 1H13, with a coverage ratio of %. There were two extraordinary items in this quarter: the Bank set the allowance for impairment on application software and related expenses amounting Bt1,566mn, as a result of changes to some parts of the deposit core banking system development under the K-Transformation project. Such changes will fasten data processing in the future, mitigate risk, and reducing maintenance costs in the long term. In addition, the Bank made a reversal of estimate for loss sharing amounting to Bt1,111mn from asset management by Thai Asset Management Corporation (TAMC). A strong capital base was maintained; Tier 1 and CAR ratio improved to 11.97% and 16.20%, respectively. On the macro picture, given the weaker economic outlook, we revised down the GDP growth forecast for 2013 to 4.0% (base case), with the forecast range between %. Inflation will range around % this year. However, all 2013 financial targets, except provisioning expense, are maintained. The Bank will continue to adhere to our customer-centric strategy in striving to be Customers Main Bank. KBank will continue to grow loans sensibly at 9-11%, in line with economic growth. NIM will be in the range of % this year with system ranking maintained, while we expect the key policy rate to maintain at 2.5% throughout the year. Although non-interest income showed strong growth in 1H13, our non-interest income growth target in this year is maintained in the mid-teens. Cost to income will be mid-40s. Despite lingering economic uncertainty, asset quality remained benign and NPL ratio will be below 2.4% this year. Higher provision was set aside in 1H13 to serve as countercyclical provision to prepare the Bank for any potential future economic downturn and the changing economic circumstances. The average provision per quarter will be approximately Bt2bn plus the countercyclical provision, with credit cost revised up to range between bps in We hope you find this publication useful and insightful. Please feel free to contact the KBank IR team directly with any inquiries you may have. Comments and suggestions are always welcome. Best regards, Adit Laixuthai, Ph.D. Executive Vice President, Chief Investor Relations Officer, and Corporate Secretary Corporate Secretariat Division KBank IR Consensus Survey From July 2-10, 2013, the Investor Relations Unit conducted the 2Q13 consensus survey among local and foreign analysts to document their opinions, recommendations, and earnings estimates for KBank, and to get their general views on the Thai banking industry. All 29 analysts, from 29 brokerage firms that currently cover KBank shares, responded to the survey. Two analysts did not provide 2Q13 earnings forecasts. The results are shown below. No. of analysts Q13 Earnings Forecasts 9,500-9,920 9,921-10,340 10,341-10,760 10,761-11,180 11,181-11,600 Bt mn N = 27 Mean = 10,549 SD = 399 Note: KBank s 2Q13 actual profit was Bt10,979mn, on the consolidated basis 1

2 Page2 FAQ: Property market and Household Borrowing Source: NESDB, BOT, REIC, AREA, BIS, NSO, and KResearch Hot Stuffs Property Market: No clear sign of property bubble Supply Side: New Housing Completions and New Projects Launched in BMR* Outstanding Mortgage Loans to Individuals and Property Developers loan to GDP 1,000 Units % 1,000 Units Demand Side: Transferred Properties in BMR* Mortgage loans to GDP is higher than the pre-crisis level, due to several factors such as changes in consumer behavior, intense competition among banks, and a more accessible credit market Price growth of Properties Outstanding loans to property developers (including contractors) to GDP %(YoY) was 5.8%, which was lower than the pre-crisis level Supply Side: New housing completions and new projects launched were still below the pre-crisis level 6.9 Demand Side: In the last 5 years, the number of transferred properties was still higher than the supply side figures Prices: Property prices are on an upward trend because of the minimum wage increase and cost of construction materials NPL ratio for mortgage loans at Thai commercial banks was low at 2.3% as of 1Q13 Sources : National Economic and Social Development Board (NESDB), BOT, Real Estate Information Center (REIC), Agency for Real Estate Affairs (AREA), the BOT, and KResearch Note: * Including Condominium, Single House and Townhouse; BMR = Bangkok and Metropolitan Area 108 Household Borrowing Household Borrowing to GDP % NPL for Consumption Loans of Thai Commercial Banks Old Definition New Definition Old Definition: Data from are lending from commercial banks and SFIs to individual persons for consumption only New Definition: For the data from 2010 onwards, the information accounts for all individual persons outstanding loans from all types of financial institutions, including saving Co-ops and non-banks Cross-Country Comparison of Household Debt Source: BOT, Bank for International Settlements (BIS), National Statistical Office (NSO), and KResearch Debt Service Ratio of Thai households Household Borrowing to GDP is higher than the precrisis level, due to several factors such as changes in consumer behavior, intense competition among banks, and a more accessible credit market Thailand s household debt to GDP is comparable to other countries and the debt service ratio of Thai households is still well below 40%, indicating that the household debt situation is unlikely to trigger any problems in the foreseeable future NPL ratio for consumption loans of Thai commercial banks is on a decreasing trend, reflecting a better quality of retail credits 109 2

3 Page3 Bank Financial Summary (Consolidated) 2Q13 Balance Sheet Other income (Bt mn (Bt mn) %Chg (Bt mn) %Chg Gain (loss) on trading and foreign exchange transactions 1,456 1, , Gains (loss) on financial liabilities designated at fair value through profit or loss (7) (6) 6.3 (21) (66.5) Gain (loss) on investments (3.7) Share of profit from investment using equity method (9.6) Dividend income (61.4) Net premiums earned 14,816 14, , Other operating income Total other income 17,235 16, , Total other operating expenses (Bt mn) (Bt mn) %Chg (Bt mn) %Chg Cash 35,293 30, ,528 (15.0) Interbank & Money Market Items 262, ,484 (7.7) 124, Claims on security 0 8,095 (100.0) 0 n.a. Derivatives assets 30,210 29, , Investments 440, , , Loans** 1,390,135 1,355, ,256, Accrued interest receivables (AIR) 2,533 2, , Total Reserves 46,003 45, , Loans & AIR - net 1,346,666 1,312, ,215, Properties foreclosed 10,189 10,674 (4.5) 11,622 (12.3) Premises & equipment 39,750 40,634 (2.2) 40,359 (1.5) Intangible assets 21,381 22,358 (4.4) 20, Deferred tax assets 2,398 2, , Other assets 36,542 26, , Total Assets 2,225,152 2,109, ,887, Deposits 1,467,058 1,428, ,325, Interbank & Money Market items 207, , , Derivatives liabilities 30,895 28, , Debt issued and borrowings 95,517 84, , Provisions 16,626 17,100 (2.8) 12, Deferred tax liabilities 1,430 1,769 (19.2) 1, Life policy reserve 143, , , Other liabilities 45,381 54,376 (16.5) 38, Total Liabilities 2,007,654 1,896, ,703, Fully paid-up share capital 23,933 23, , Premium on common share 18,103 18, , Other reserves 14,309 14,961 (4.4) 12, Retained earnings 143, , , Total Shareholders' Equity 217, , , Owners of the Bank 200, , , Non-controlling interest 17,247 17,458 (1.2) 13, Liab & Shareholders' Equity 2,225,152 2,109, ,887, Income Statement (Bt mn) (Bt mn) %Chg (Bt mn) %Chg Net interest income 17,931 17, , Net Fee and service income 7,374 7, , Other income 17,235 16, , Underwriting expenses 11,971 11, , Net operating income 30,569 28, , Total other operating expenses 13,037 11, , Provision expenses 2,200 3,525 (37.6) 1, Profit before income tax 15,332 13, , Income tax expense 3,335 2, , Net profit attributable to: - Owners of the Bank 10,979 10, , Non-controlling interest 1, EPS (Bt mn) (Bt mn) %Chg (Bt mn) %Chg Employee's expenses 5,559 5, , Directors' remuneration Premises and equipment expenses 2,600 2, , Taxes and duties Others 3,860 2, , Total other operating expenses 13,037 11, , Notes: * Based on new financial statement presentation ** Loans = Loans to customers less deferred revenue Performance (%) 2Q13 2 1Q13 2 4Q12 2 3Q12 2 2Q12 2 ROA ROE Interest spread NIM Cost-to-Income Ratio Notes: 1) ROA, ROE and NIM are calculated using QoQ averages of total assets, total shareholders equities and total earning assets, respectively, as denominators 2) Based on new financial statement presentation Asset Quality & CAR (%) Asset Quality (%) 2Q13 1Q13 4Q12 3Q12 2Q12 Total reserve / Loans Total reserve / NPL gross CAR (%) Tier I > Common Equity Tier I Tier II CAR Note: For KASIKORNBANK FINANCIAL CONGLOMERATE, CAR = 16.20% as of June 2013 Deposit Structure (%) 2Q13 1Q13 4Q12 3Q12 2Q12 Current Savings Fixed 3-5 months Fixed 6-11 months Fixed 12 months and upward Total Loan Structure (%) 1Q Corporate Loans SME Loans Retail Loans Other Loans 8 7 Total AMC Progress (%) 2Q13 1Q13 4Q12 3Q12 2Q12 PhethaiAMC (Principal balance: Bt74bn) Portfolio Resolved (%) Recovery Rate (%) * * Recovery rate = Present value of future cash flow Principal balance 2Q13 Performance: KBank reported net income of Bt10,979mn, a rise of 8.64% QoQ and 17.21% YoY, from both non-interest income and net interest income. Non-interest income rose 9.92% QoQ and 21.39% YoY, driven by net fee income and net premium earned from the life insurance business. Net fee and service income expanded 3.33% QoQ and 23.63% YoY, in line with normal business growth. Meanwhile, net interest income rose 4.22% QoQ and 15.95% YoY, with loan growth of 4.78% YTD and 10.67% YoY. NIM slightly increased QoQ to 3.52%, remaining the highest among large commercial banks. Operating expenses increased 13.49% QoQ, mainly from seasonally higher promotion, advertising, and marketing expense as well as the allowance set by the Bank for impairment on application software and related expenses amounting to Bt1,566mn, as a result of changes to some parts of the deposit core banking system development under the K-Transformation project. In addition, the Bank made the reversal of estimate for loss sharing amounting to Bt1,111mn from asset management by Thai Asset Management Corporation (TAMC). Cost to income ratio increased to 42.65%. Capital remains adequate to support business growth: CAR was 16.20%, with an 11.97% Tier 1 capital ratio. NPL Movement: Gross NPL ratio slightly increased to 2.13%, due mainly to two large company-specific causes, but declined from last year. In 2Q13, the Bank set aside a provision of Bt2,200mn, lower than last quarter. The provision was in part to serve as a countercyclical provision to prepare the Bank for any potential future economic downturn or changing economic circumstances, both domestic and abroad. Credit cost dropped to 64bps in 2Q13, with a % coverage ratio. 3

4 Page4 2Q13 Performance Based on Consolidated Financial Statements Interest Income Interest income increased 3.84% QoQ, due mainly to an increase in interest income from loans and investments Interest income from loans was Bt20,503mn, increasing Bt577mn or 2.90% QoQ as a result of an increase in average loan balance. Loans grew sensibly at 4.78% YTD and 10.67% YoY Interest income from investment was Bt3,190mn, increasing Bt432mn or 15.64% QoQ as a result of the increased in investment in government bonds Interest Expenses Interest expenses increased 3.02% QoQ from an increase in average deposit balance Interest expenses from deposits was Bt4,930mn, rising Bt196mn or 4.12% QoQ due mainly to an increase in average deposits balance. Outstanding deposits in 2Q13 increased by 2.71% QoQ, mainly due to an increase in fixed campaign deposits offset by a decrease in savings deposits. Some special deposit campaigns were offered in 2Q13, including a high-rated flexible 14 month fixed deposit with an interest rate of 3.20% p.a. and a special 8-month fixed deposits with an interest rate of % p.a. Non-interest Income Non-interest income rose 9.92% QoQ and 21.39% YoY Net premiums earned was Bt14,816mn, a rise of Bt712mn or 5.05% QoQ, mainly from net premiums earned from Muang Thai Life Assurance PCL (MTL) Net fees and service income was Bt7,374mn, expanding Bt238mn or 3.33% QoQ, in line with the normal business growth Total Other Operating Expenses Total other operating expenses rose 13.49% QoQ, the majority from seasonally higher promotion, advertising, and marketing expenses, as well as the allowance for impairment on application software and related expenses; the Bank made the reversal of estimate for loss sharing from asset management by Thai Asset Management Corporation (TAMC) Employee s expenses were Bt5,559mn, increasing Bt156mn or 2.90% QoQ Impairment on application software and related expenses (an extraordinary item) was Bt1,566mn, as the Bank set an allowance for impairment on application software and related expenses, as a result of changes to some parts of the deposit core banking system development under the K-Transformation Strategic Project Reversal of estimate for loss sharing of TAMC (an extraordinary item) was Bt1,111mn as the Bank made the reversal of estimate for loss sharing from asset management by Thai Asset Management Corporation (TAMC) Other expenses were Bt3,405mn, increasing Bt716mn or 26.61%, as a result of the seasonal increase in promotion, advertising, and marketing expenses Impairment Loss of Loans and Debt Securities (Provision) Provisioning expenses decreased QoQ Provisioning expenses were Bt2,200mn, decreasing Bt1,325mn or 37.59% QoQ; the provision set aside in this quarter was partly from a countercyclical provision to prepare the Bank for potential future economic downturns and the changing economic circumstances, both domestic and aboard Credit cost ratio decreased to 64bps in 2Q13, following the lower provisioning expenses; credit cost was 84bps in 1H13 Loan loss coverage ratio dropped QoQ to % but remained above the 100% level since 2Q10 Capital Funds The Bank s capital adequacy remained sufficient to support business growth Capital Adequacy Ratio (CAR): commencing in 2013, the Bank has reported capital ratio in accordance with the Basel III Capital Requirement. As of 2Q13 KASIKORNBANK FINANCIAL CONGLOMERATE s CAR was 16.20%, with a Tier 1 ratio of 11.97% Summary: 2Q13 net income was Bt10,979mn, a rise of 8.64% QoQ and 17.21% YoY, due mainly to a rise in non-interest income growth, while net interest income also increased. Non-interest income rose 9.92% QoQ and 21.39% YoY, while net interest income rose 4.22% QoQ and 15.95% YoY. Loans grew 4.78% YTD and 10.67% YoY from all business segments. NIM slightly increased QoQ to 3.52% and remained at the highest level among large commercial banks. A rise in non-interest income was driven by an increase in net premium earned from the life insurance business and net fees and service income. A growth of net fees and service income was in line with normal business growth. Operating expenses rose 13.49% QoQ and cost to income ratio increased to 42.65%. Cost to income is expected to be seasonally higher during in 2H13. Gross NPL ratio rose slightly to 2.13%. Provisioning expenses dropped QoQ to Bt2,200mn, although this quarter s provision remained, in part to serve as a countercyclical provision. Credit cost dropped QoQ to 64bps, with a % coverage ratio; credit cost in 1H13 was 84bps. Capital adequacy remained strong with CAR at 16.20% and a Tier 1 ratio of 11.97%. Note: KASIKORNBANK FINANCIAL CONGLOMERATE is defined as a company, under the Notification of the Bank of Thailand re: Consolidated Supervision, consisting of KBank, K Companies, and subsidiaries supporting KBank, Phethai Asset Management Co., Ltd. and other subsidiaries within the BOT s permitted scope as a financial conglomerate 4

5 Page5 KASIKORNBANK May 13: KBank opened a branch in Chengdu, as part of the Bank s service network enhancement under its Asian Bank strategy to promote Thailand as a center connecting Western China and ASEAN in trade and investment KASIKORNBANK: What s Up? June 13:.KBank, KTB and, CH. Karnchang celebrate the issuance of CH. Karnchang s No. 1/2013 debentures which were unsubordinated and unsecured, with debenture holders representative. The Bt4bn debentures of five- and nine-month tenor with a 5% p.a. interest rate were rapidly subscribed by general and institutional investors Corporate, SME, and Retail Business May 13: KBank joined hands with a leading Myanmar bank, Co-Operative Bank (CB Bank), in order to double KBank s funds transfer service network in Myanmar. Available in the Myanmar language, the service is offered via more than 880 K-ATMs nationwide April 13: KBank held a business talk on KFam Club: sharing the culture difference impact on family business sustainability, co-hosted by the UTCC and IMD from Switzerland. The event was organized to provide knowledge and share experiences in family business between business owners and their descendants June 13: KBank is implementing a Transactional Banking Solutions strategy through e-channels, supporting corporate customers with efficient business connections and penetration of new markets. An example is The Ring, jointly offered by KBank and PTT, which controls fuel costs through a systematic electronic mechanism April 13: KBank organized business matching activities to enhance business networks and promote trade between the China and Thailand, starting with the tapioca business, which exhibited fastgrowing exports to China. The activity is likely to help boost tapioca exports to China by 1mn tons, or approximately Bt7bn, within this year April 13: KBank introduced K-SME Credit: Easy and Worry-Free to provide funding sources for small operators who are running cash businesses. SMEs eligible for the loan must have at least two years of business experience with good financial records. Credit limits ranging from Bt500,000 to Bt10mn are available with a maximum installment period of five years May 13: KBank introduced provincial debit cards, emphasizing the bank s leadership in Lifestyle Debit Card. There are 28 designs offered featuring motifs of major sites and symbols of various provinces, including Chiang Mai, Ayutthaya, and Phuket. June 13: KBank launched a new Digital Home Loan, offering a broad array of online services to customers including K-Home Loan, K-Home Search Online, K-eBook Gallery, and K-Home Feng Shui. An innovative K-Home Loan is also available via mobile phones May 13: KBank launched the Pay on time, get an interest discount up to 12% p.a. program to promote financial discipline among K-Express Cash customers with good credit histories, offering an interest discount of up to 12% p.a., between May 1 to October 31 Awards and Recognition June 13: KBank received Best Retail Bank of the Year 2013 organized by Money and Banking magazine for the sixth consecutive year April 13: KBank received the Best Retail Bank in Thailand 2012 award for the fourth consecutive year, based on the Excellence in Retail Financial Services awards 2013 organized by The Asian Banker journal 5

6 Page6 Economic Summary- June 2013 Source: Bank of Thailand Econ: Wrap-up Apr 13 May 13 Jun 13 Industrial Capacity Utilization (%) Consumer Price Index: (Headline)(%) Consumer Price Index: (Core) (%) Export (US$mn) 17,251 19,494 18,818 Export (%chg) Import (US$mn) 18,871 18,959 18,230 Import (%chg) Trade Balance (US$mn) -1, Current Account Balance (US$mn) -3,361-1, Financial Account (US$mn) 4, Balance of Payments (US$mn) ,101 Interbank Rate (%-average) Official Reserves (US$bn) Exchange Rate (average Baht: US$) Highlights for June 2013 Manufacturing production: The Manufacturing Production Index (MPI) decreased 3.5% YoY, mainly from export production including processed seafood and hard disk drives (HDD) Domestic spending: The Private Consumption Index (PCI) rose 0.8% YoY as non-durable purchases increased with fuel consumption and imports of consumer goods, especially food and beverages. However, durable consumption declined mainly from car purchases, as fewer cars remained to be delivered under the first-car scheme and new car orders also dropped Inflation: Headline inflation decelerated to 2.25% YoY following subdued core inflation and fresh food prices; core inflation was 0.88%. Trade Balance: Export value totaled USD18.8bn, down by 3.5% YoY due to the slowdown in exports of agricultural products, fishery, and manufacturing products such as hard disk drives (HDD), petroleum products, electrical appliances, and processed agricultural products. Import value totaled USD18.2bn. This resulted in a trade surplus of USD0.6bn. The service and transfers account showed a deficit of USD1.3bn, and the current account recorded a deficit of USD0.7bn. Note: For more information on monthly economic conditions, please visit: Economic Outlook for 2013 Source: KASIKORN RESEARCH CENTER CO., LTD. (July 31, 2013) Operating Environment: Economic Outlook for 2013 Key GDP Forecasts and Assumptions % YoY F Range Base Case GDP Private Consumption Total Investment Gov. Budget Deficit (% of GDP)* to Exports Imports Current Account (USD bn) to Headline Inflation Policy Interest Rate** Key Points: Private consumption and investment are expected to grow, albeit at a sharply decelerating rate Due to an economic slowdown in China, Thailand s main export destination, and weak global sentiment, a robust recovery is unlikely for Thai exports in 2H13. Thus, exports are expected to expand rather modestly in 2013 Given this weaker economic outlook, the GDP growth forecast for 2013 was revised down to 4.0% (base case) with the forecast range between 3.8%-4.3% Risk Factors: Lingering global economic uncertainties, especially China Geopolitical risks Uncertainties in domestic politics and progress in the public investment plan Note: * Not including borrowing under the emergency decree for water resource management Source: KResearch and **KBank Capital Markets Research (as of July 31, 2013) 5 6

7 Page7 DISCLAIMER: This document is intended to provide material information relating to investment or product in discussion and for reference during discussion, presentation or seminar only. It does not represent or constitute an advice, offer, contract, recommendation or solicitation and should not be relied on as such. In preparation of this document, KASIKORNBANK PUBLIC COMPANY LIMITED ( KBank ) has made several crucial assumptions and relied on the financial and other information made available from public sources, and thus KBank assumes no responsibility and makes no representations with respect to accuracy and/or completeness of the information described herein. Before making your own independent decision to invest or enter into transaction, the recipient of the information ( Recipient ) shall review information relating to service or products of KBank including economic and market situation and other factors pertaining to the transaction as posted in KBank s website at URL and in other websites including to review all other information, documents prepared by other institutions and consult financial, legal or tax advisors each time. The Recipient understands and acknowledges that the investment or execution of the transaction may be the transaction with low liquidity and that KBank shall assume no liability for any loss or damage incurred by the Recipient arising out of such investment or execution of the transaction. The Recipient also acknowledges and understands that the information so provided by KBank does not represent the expected yield or consideration to be received by the Recipient arising out of the execution of the transaction. Further the Recipient should be aware that the transaction can be highly risky as the markets are unpredictable and there may be inadequate regulations and safeguards available to the Recipient. KBank reserves the rights to amend either in whole or in part of information so provided herein at any time as it deems fit and the Recipient acknowledges and agrees with such amendment. Where there is any inquiry, the Recipient may seek further information from KBank or in case of making complaint, the Recipient can contact KBank at IR@kasikornbank.com or +(662) to 01, +(662) to 74 Please direct further inquiries or comments to: Investor Relations Tel: to 4, to 1, to 62 Fax: IR@kasikornbank.com 7