Facebook page "View Change" : Unlicensed digital asset business (Disclosure Date : 26/11/2025)

Facebook page "Bit Change" : Unlicensed digital asset business (Disclosure Date : 27/11/2025)

Facebook page "Bit Change" : Unlicensed digital asset business (Disclosure Date : 28/11/2025)

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

from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

banking business, directly and indirectly. In detail: 1. Cyber Security Risk Amid rapid technological change, Thai consumers have readily embraced the new tech trends. Obviously, economic activity

PUBLIC COMPANY LIMITED 10. KRUNG THAI BANK PUBLIC COMPANY LIMITED 11. STANDARD CHARTERED BANK (THAI) PUBLIC COMPANY LIMITED 12. THE HONGKONG AND SHANGHAI BANKING CORPORATION 13. THE HONGKONG AND SHANGHAI