+ – + – Why have Grids and Storage Criteria? Enablers to decarbonisation Expanding and upgrading https://www.sec.or.th/TH/Documents/LawsandRegulations/ResourceCenter/GreenBond/ResourceCenter-Greenb... 19047247

importance of enhancing our employees’ knowledge and understanding of financial products and services, keeping them abreast of knowhow and new business formats in the fast- changing digital age. Our focus is

and upgrading services within the AEC+3 region. In response to customers seeking to venture 17 into other Asian countries, we set our sights on expanding business operations in People’s Republic of

Used between January 25, 2024, and September 30, 2024 Balance as of September 30, 2024 1. Invest in expanding the company's business, including expanding the company's branches and improving the existing

-Wallet application as an added e-payment channel for our Multi-Corporate Business clients.  Large Corporate Business KBank emphasizes the importance of enhancing our employees’ knowledge and understanding

.  High Net Worth Individual KBank’s collaboration with Lombard Odier, our business partner, continued with the objectives of enhancing our products and services to be on par with world-class standards

of its value enhancement project (adding 45 villas and upgrading facilities and common areas) in late 2016. On a QoQ basis, performance of hotel business grew by 41%, as first quarter of the year is

to expanding our business network and upgrading services within the AEC+3 region. In response to customers seeking to venture into other Asian countries, we set our sights on expanding business

capability and the domestic supply chain, the focus on technological and innovation development, and upgrading labor skills to support the new targeted industries. V3 27/02/63 4 3. Digital disruption - Digital

the measure to increase Cracking to CDU capacity ratio was enforced since the 1st of April, 2017, leading to lowered supplies. Moreover, Russian refineries were upgrading capacity since 2016, lowering