% decreasing from 5.8% at the end of previous year and decreasing from 5.2% in the previous quarter, mainly from caution on new loan under the new wave of COVID-19 situation. In the end of third quarter of 2 0 2

productivity of our operations to ensure distinctive customer experiences. Capital allocation will be executed with caution to ensure we streamline ourselves, improve CAPEX and OPEX efficiency, and deliver

improve IT processes & systems to unlock higher efficiency and productivity of our operations to ensure distinctive customer experiences. Capital allocation will be executed with caution to ensure we

operations to ensure distinctive customer experiences. Capital allocation will be executed with caution to ensure we streamline ourselves, improve CAPEX and OPEX efficiency, and deliver maximum value to our

quality remained in concerns. The Company, therefore, proceeds with high-risk financial products with caution, as well as, expands the target group to customers with more stable incomes. As of May 31, 2024

>ข้อ 1/12 บริษัทจดทะเบียนที่จะได้รับอนุญาตให้เสนอขายหุ้นที่ออกใหม่เพื่อรองรับใบแสดงสิทธิตามประกาศนี้ ต้องไม่อยู่ระหว่างถูกตลาดหลักทรัพย์แห่งประเทศไทยขึ้นเครื่องหมาย C (Caution) หรือมีคำสั่ง

-Payment Master Plan through the offering of privileges that help lessen costs for merchants installing an EDC machine within this year.  High Net Worth Individual KBank is committed to providing excellent

and business opportunities in each individual sector and area across all industries. In parallel, we focused on the development of technological solutions with the aim of becoming “Customers’ Life

and individual investors with a stable financial position who are able to invest in the Company to support and increase the liquidity of the Company. The offering price of the newly issued ordinary

of 2019, KBank continued to prioritize upgrades of our capability in data compilation and analytics. This will allow us to understand and anticipate each individual customer’s needs under the “Segment