, KBank launched life insurance products that are responsive to customers’ needs. Notable products were Life Insurance: Endowment 215, which offers an attractive return of 3.01 percent; and Life Insurance
(LTV) measures by the Bank of Thailand. Meanwhile, the website of K Home Smiles Club which offers integrated home services was redesigned to accommodate the use via both personal computer and smart phone
attractive promotions and redeem significant rewards. In addition, the application will help to speed up the branch operation where customers can order in advance, therefore, spending less time in queuing and
broadband business focused on quality of subscription and ARPU improvement. We witnessed a decent take up on network utilization in the key cities, supported by the active sale forces and promotions. In 1Q17
distributors. Personal Care Segment Total revenues from sales of Personal Care segment decreased by THB 30.3 million (or -4.8% YoY) from higher base last year from strong promotions for Babi Mild and Twelve Plus
expenses and layoff. Therefore, our business has been affected in every segment, particularly fashion in Thailand and Italy. Promotional activities, new campaigns and discounts as well as co-promotions with
services will remain for the rest of the year. Higher marketing cost will be incurred from resumed business promotions and activities compared to a low base in 2021 due to several lockdowns. We launch
from resumed business promotions and activities compared to a low base in 2021 due to several lockdowns. We launch campaigns to acquire and retain customers and will continue to do so for the rest of the