improved from higher proportion of house brand product sales compared to previous period. The Company has focus in maintaining gross profit margin, emphasizing FN brand awareness and increasing FN brand

to mid-single digit, while maintaining EBITDA outlook with low-single digit decline and CAPEX of around Bt35bn. Market and Competitive Environment In 3Q20, mobile competition remained stable as all

achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customers’ Life Platform of Choice” along with “Customer Centricity”, KBank has

take-home or delivery services only. The Group placed importance on maintaining continuity in providing efficient services to our customers and therefore the Group focused on improving the efficiency of

for promoting and maintaining security, credibility, transparency and fairness in derivatives trading, as follows: (1) procure a derivatives trading system capable of supporting expected trading volume

startup firms for enhancement of our business capabilities to achieve sustainable growth while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity

growth and returns while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity” and making KBank the Customers’ Main Bank for all eight customer

Core Businesses 3.1 Sustainable Development and Corporate Governance KBank, as a major driver of economic growth, has operated our business as a Bank of Sustainability, maintaining a balance in economic

29.3% YoY. FSMART has continued the strategic plan of expanding the number of Boonterm kiosk effectively and maintaining the ARPU (average revenue per unit) level efficiently. In 2017, the average ARPU

maintaining its number one position in functional drinks for three consecutive quarters since Q3’18. Q1’19 C-Vitt market share showed at 27.9% further improved 290 bps QoQ and 1,140 bps YoY. Overseas markets