verification solutions which is in line with the Company’s sustainable development plan that focuses on creating a secure financial service for customers, including sale promotions and campaigns and credit card

. Moreover, other operating expenses increased by Baht 4,381 million or 6.41 percent, especially from branding campaigns and marketing activities in line with KBank’s business direction. As a result, the cost

alleviate contracted ARPU, pricing campaigns with lower-speed were usually deployed in provincial level to capture the low-budget segment. Demand for home connectivity has been accelerated by work and learn

Bt5,821mn, decreasing -3.4% YoY from cost control while increased 11% QoQ due to more activities and campaigns to promote 5G during the quarter with ease of pandemic. Subsequently, EBITDA in 4Q21 saw an

advertisements and handset subsidy campaigns post COVID-19 lockdowns which reflected in last year’s low base. • Admin & other expenses at Bt15,327mn, decreased -2.2%YoY, mainly from cost control initiatives and

. For credit card products, KBank JCB Credit Card was introduced to broaden the base of customers who are Japan lovers. Notable campaigns to promote application for credit cards and card spending per our

; as well as having exhibition booths at various exposition events.As for the SPAR convenience store, the brand established more varied sales promotion campaigns e.g. SPAR Aroi-Tua-Thai which brings

promoting greater use of K-Credit Card based on big data analytics and through the launch of digital marketing campaigns covering purchase of goods, product delivery, online accommodation reservation, tax

and outside the perimeters of service stations. In tandem with various sales promotional campaigns being issued, and innovative menus crafted from quality products. Moreover, BCR hosted the “You Stay