excellent service and develop fixed-mobile-contents convergence (FMC) strategies to deliver a superior experience for our customers. The business sector recovered well in 2Q22 and benefited from the

V ONE-GLOBALTOP8M6 1 ▪ ▪ • • • ▪ • • ▪ • • ONE-GLOBALTOP8M6 2 ▪ • • • • • • • • • • ONE-GLOBALTOP8M6 3 ต ่ ต่ ต ่ำ ต ่ ONE-GLOBALTOP8M6 4 ค่าธรรมเนียมที่เรียกเก็บจากกองทุนรวม (% ต่อปีของ NAV) * ค่ำ

an excellent customer experience. We have collaborated with our partners, cross-industry and cross-border, to create ecosystem partnerships under the “KASIKORNBANK and Beyond” concept. All of these

delivering an excellent customer experience in order to empower every customer’s life and business, we prioritize the offering of attentive and inclusive services as a trustworthy service provider. We can

Period As Of Details ONE TO ONE CONTACTS PUBLIC COMPANY LIMITED 2023 Reviewed Consolidated Q2 30/06/2023 ONE TO ONE CONTACTS PUBLIC COMPANY LIMITED 2023 Reviewed Company Q2 30/06/2023 ONE TO ONE CONTACTS

COMPANY LIMITED Management Discussion and Analysis of the Company’s Performance for the nine-month period ended September 30, 2019 During the period, one of the major customers had changed a method of

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

platform that can meet customers’ needs in every aspect of their lives by leveraging our strengths as Thailand’s number-one digital banking provider and enhancing our services under three-pronged approach

of One” while also creating innovative products and comprehensive services for an excellent experience among all customer groups. In keeping with changing customer expectations, we tailored financial

excellent platform to integrate IVL’s existing specialties business with Sinterama’s strong production base. The highly complementary portfolio, customer base and geographical footprint of the two companies