Core Businesses 3.1 Sustainable Development and Corporate Governance KBank, as a major driver of economic growth, has operated our business as a Bank of Sustainability, maintaining a balance in economic

29.3% YoY. FSMART has continued the strategic plan of expanding the number of Boonterm kiosk effectively and maintaining the ARPU (average revenue per unit) level efficiently. In 2017, the average ARPU

maintaining its number one position in functional drinks for three consecutive quarters since Q3’18. Q1’19 C-Vitt market share showed at 27.9% further improved 290 bps QoQ and 1,140 bps YoY. Overseas markets

Solutions still maintaining a marginal growth of 0.4%. 2. Financial position Table 4: Overall Financial position As of % As of % Change % YoY Dec 31, 2019 Jun 30, 2020 YoY Assets Cash 159.47 11.6% 146.88 9.5

-400mn. lending amount. The Company focuses on maintaining current lending portfolio and being careful on credit risks of the lending business. Online Top-up & Payment Business Banking Agent & Lending

while the Company considers it is within the appropriate range to appreciate leverage and maintaining acceptable credit rating. Return on Equity (ROE) and Return on Asset (ROA) for the fiscal year of 2020

while the Company considers it is within the appropriate range to appreciate leverage and maintaining acceptable credit rating. Return on Equity (ROE) and Return on Asset (ROA) for the fiscal year of 2020

times at the end of 2020 while the Company considers it is within the appropriate range to appreciate leverage and maintaining acceptable credit rating. Return on Equity (ROE) and Return on Asset (ROA

remuneration consultant including their selection and terms of engagement and disclosing their identity and consulting fees; and e) maintaining appropriate communication with shareholders on the subject of

into account our own strengths and weaknesses to make sure that we are moving toward the right direction to achieve our goals while maintaining investor confidence locally and internationally