has continued to implement various operational changes to enhance efficiency of online channel, including improving its website by increasing visually appealing to attract sale orders, offering

the increase in online sales is due to the implementation of various operational improvement to enhance efficiency of online channel. The Company also improved its website by increasing visually

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

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

.  Ecosystem Orchestrator & Harmonized Channel: Orchestrating ecosystems with partners and providing excellent experiences throughout customer journeys  Intelligent Lending: Leverage customer data to offer

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...