customer engagement in order to reinforce our digital banking leadership, in support of the national policy of making Thailand a cashless society, we launched a “No Fees” campaign for funds transfer, top-up

-SME Medical Micro Credit, to be used as working capital and for business expansion. Moreover, KBank continued to expand Electronic Data Capture (EDC) to merchants in alignment with the National e

for Chinese tourists. Moreover, KBank continued to install Electronic Data Capture (EDC) for merchants as part of our push for a cashless society in alignment with the National e-Payment Master Plan

Baht to 66.02 Million Baht or 13.95%, due to corporate marketing and sales alignment. 2. Our net loss for Q3 is 3.17 Million Baht compare to net loss 5.32 Million Baht Q on Q, due to decreasing in

National Economic and Social Development Council and Ministry of Commerce Ye ar -o n- Ye ar C ha ng e (p er ce nt) 2018 2019 2019 2019 2 1.2 Banking Industry and Competition Commercial banks’ overall

Economic Growth Sources: Office of the National Economic and Social Development Board and Ministry of Commerce Projection by KResearch Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 2 throughout 2018 to

: Office of the National Economic and Social Development Council and Ministry of Commerce Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 3.2 3.6 2.8 2.3 1.5 0.8 0.7 1.1 0 1 2 3 4 3Q 4Q 1Q 2Q GDP Headline

single brand of KASIKORNBANK. In alignment with our business strategies for 2019, KBank and subsidiaries thus reported Baht 38,727 million in net profit, increasing Baht 268 million or 0.70 percent

alignment with disbursements in transportation projects. Moreover, large IT projects of government agencies may have to wait for the annual budget for 2024, which expect to be approved by the council in April

beneficial to customers’ business operations. For card accepting merchant business, KBank developed the K PLUS Shop application on a continual basis in alignment with the government’s National e-Payment Master