sales through the Marketplace online channel to increase. In addition, the company Organized Advice IT Expo activities on the online website and branches. All over the country, to target customers who

three types, as follows: Revenue by channel 3 Months Period (July - September) Business group Q3/2023 Q3/2024 Increase (Decrease) %YoY Amount % Amount % Retail Business 2,328.49 64.92% 2,398.90 64.00

AFRICAN B50 BULGARIAN E50 ERITREANS A43 ALBANIAN B60 BELIZE E60 ESTONEANS A44 ALGERIAN C10 CANADIAN E70 ETHIOPIAN A45 AMENIANS C12 CAYMAN ISLAND F10 FILIPINO A46 ANDORRAN C15 CHANNEL ISLAND F20 FRENCH A47

. On the domestic front, elevated household debt remains a constraint to purchasing power. In the meantime, domestic political situation also warrants monitoring as the government is preparing for an

as government legislation gives boost to the recycling industry, with the major constraint being adequate collection of raw material. The recognition by our customers of PET’s beneficial properties

at home as well as in foreign currencies, and to facilitate customers in redeeming their KBank Reward Points via K+ Market - a new channel provided by KBank. Regarding K-Personal Loan, KBank continued

channel management per the scope and conditions set by the BOT. Commercial banks are required to annually submit a service channel strategic plan and a report on their service channels to the BOT

customers by providing them funding, bolstering their competitive capabilities and promoting business opportunities via every channel. To this end, we introduced the multi- purpose SME loan program with

of company, company could not secure the new backlog. The proceed from capital increase shall allow the company to relieve the financial constraint which lead to more flexible position of the working

relieve the financial constraint which lead to more flexible position of the working capital in order to achieve the target backlogs. The backlog securing of company, however, depends on the result of