to closely monitor credit quality and maintain high levels of capital fund and loan loss provisions to withstand a potential adverse impact from economic uncertainty. Credit Rating LH Financial Group

cashing service channels 3 providing more convenience to customers and this also saved the Company’s operation cost. AEON members can utilize the revolving loans service through many service channels

addition, the Company has expanding more cashing service channels providing more convenience to customers and this also saved the Company’s operation cost. AEON members can utilize the revolving loans

6 3.1 Sustainable Development and Corporate Governance 6 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK 7 3.3 Customer Segments and Services 8 3.4 Service

% Million Baht % Million Baht % Sale 1,036.71 99.53% 446.31 99.22% 590.40 132.29% 1,837.13 99.74% (800.42) (43.57%) Service 4.90 0.47% 3.53 0.78% 1.38 39.00% 4.88 0.26% 0.02 0.47% Total Revenues 1,041.61

% Million Baht % Million Baht % Million Baht % Sale 1,030.23 100.00% 373.43 99.79% 656.80 175.88% 1,036.71 99.53% (6.48) (0.63%) Service 0.00 0.00% 0.77 0.21% (0.77) (100.00%) 4.90 0.47% (4.90) (100.00

% 1,964.18 99.17% 3,540.12 180.23% Service 9.78 0.18% 16.49 0.83% (6.71) (40.69%) Total Revenues 5,514.08 100.00% 1,980.67 100.00% 3,533.41 178.39% Cost of Goods Sold (4,928.18) (89.53%) (1,972.43) (100.42

customers. Given the cancellation of service fees and our broader customer base – now surpassing 15 million – the number of digital transactions is expected to grow steadily, thus slashing our cash management

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

drawn up a Business Continuity Plan to ensure that we are able to deliver products and service to serve customers’ need regardless of the restrictions. Supply Chain Management and Availability HomePro has