: Adopting modern world-class technology to make KBank the top regional financial service provider 3.3 Customer Segments and Services KBank continues to gear up for being a Regional Digital Bank. To this end

. EBITDA with mid-single digit growth from our focus on profitability The foundation of Cognitive Tech-Co is in adopting technology to optimize process and cost-to-serve and achieve sustainable growth in

complied with the Notification No. Tor Thor. 35/2556 and the Notification No. Sor Thor. 37/2559. In case of adopting a different approach from the Guidelines, the intermediaries are required to prove that

complied with the Notification No. Tor Thor. 35/2556 and the Notification No. Sor Thor. 37/2559 . In case of adopting a different approach from the Guidelines, the intermediaries are required to prove that

awarded PCIDSS V3.2.1 for our credit card data security system, which covers Payment Gateway on Cloud available for card accepting merchants, and PCI PIN Security V2.0 for the security system for card use

-2023 ~600kta ROCE 13-15% ~400-450 Adopting best in class international practices Going forward, our MD&A reporting will reflect the Reported EBITDA & Underlying EBITDA in a sequential manner, moving away

under Chapter 1 and prohibited characteristics under Chapter 3; (b) stipulating or adopting standards and ethics regarding appraisal profession which are reliable and having mechanism to improve such

and tax documents. This will create an environment conducive to innovation development by adopting good processes in issuing and reviewing criteria to promote innovations. This will reduce service

ESG rating from MSCI. This rating is awarded to leaders in adopting ESG investment principles. Each strategy scores a rating on a scale from CCC (laggard) to AAA (leader). The rating is based first on

sudden rise of crude oil price in the global market, especially in June, which resulted in the company adopting a stabilizing retail price policy to alleviate consumers’ burden of rising cost, together