reported a core service revenue of Bt138,569mn, increasing 4.2% YoY, attributed to the performance of all core services dedicated to delivering high-quality products, as well as additional revenue

-changing consumer behavior. Given the increased degree of uncertainty in global economies and politics, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Within this

diverging monetary policies, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Given the changing customer behavior amid new technologies, regulatory changes and

255 million or 1.11 percent in net interest income, derived from rising interest income from investment. KBank maintained key financial ratios at levels consistent with our overall economic performance

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

the principal distribution channel that has been increasing consecutively, from the customer base expansion in accordance to the Company’s strategy, as well as the fact that the Company has begun

minimum payment for all customers from the previous 10 percent to 5 percent during 2020-2021, before gradually increasing to 8 and 10 percent in 2022 and 2023, respectively. (2) K-Credit Card and Xpress

38,459 million in net profit, increasing Baht 4,121 million or 12.00 percent compared to the year before. The increase was mainly due to a decrease of Baht 9,278 million or 22.19 percent in allowance for

same quarter of last year. ⚫ Increase in cost of goods sold are mainly impact to minus in bottom line of 7.1 million baht. ⚫ Rising in selling expenses of 15% are from increasing in salesforce

quarter of last year. ⚫ Increase in cost of goods sold are mainly impact to minus in bottom line of 7.1 million baht. ⚫ Rising in selling expenses of 15% are from increasing in salesforce, transportation