faster and with greater convenience at PTT Station and PTT Group retail stores. 3.4 Service Channels KBank maintained our commitment to developing efficiency in all our core service channels for enhanced

all our core service channels, in order to raise our capacity to reach our customers and deliver them excellent service. (1) Branch Network: Key initiatives for branch network management in the first

the result of continue growth in core business revenues that increased by 10% y-y, especially in personal loan and hire purchase products as well as a strong growth revenue from bad debt recovery by 42

summarized as follows: 1) Profit & Loss Analysis: Q4 2021 (3 Months) (Unit: Million Baht unless otherwise stated) Q4 2021 Q4 2020 Change Amount % Change Total Revenues 5,849 5,834 15 0.25% Sales and service

innovation. Describe the characteristics of each product or service to give investors an understanding of the Company's nature of business during the preceding year including the factors conducive to business

line or business group in the following matters. (1) Characteristics of products or services and development of business innovation. Describe the characteristics of each product or service to give

last year. Profit & Loss Analysis (Unit : Million Baht unless otherwise stated) Quarter 3 Change 2018 2017 Amount % Change Total Revenues 4,416 4,284 132 +3.1% Sales and service income 4,179 4,052 127

: Million Baht) Consolidated financial statements Q1’ 2020 Q1’2019 % Change Sales and Service Income 530 481 10 Other Revenue 6 3 200 Less Cost of Sales and Services 433 388 12 Selling and Administrative

persons who demand information to get a convenient access without requirement for member subscription; and (c) giving advice without any core objectives of providing advisory services to other persons

advice without any core objectives of providing advisory services to other persons regarding derivatives contracts or suitability for purchasing and selling derivatives contracts, based on the amount of