made in this material are forward- looking statements with the relevant assumptions, which are subject to various risks and uncertainties. These include statements with respect to our corporate plans

the relevant assumptions, which are subject to various risks and uncertainties. These include statements with respect to our corporate plans, strategies and beliefs and other statements that are not

operations. Disclaimer Some statements made in this material are forward- looking statements with the relevant assumptions, which are subject to various risks and uncertainties. These include statements with

and uncertainties. These include statements with respect to our corporate plans, strategies and beliefs and other statements that are not historical facts. These statements can be identified by the use

resulted in travel restriction, lockdown and other precautionary measures imposed in various countries including Thailand. This outbreak has brought significant economic uncertainties in Thailand and markets

forward-looking statement that involves various risks and uncertainties. These include statements with respect to our corporate plans, strategies, and beliefs. The statements are based on our management’s

. Disclaimer Some statements made in this material are forward-looking statements with the relevant assumptions, which are subject to various risks and uncertainties. These include statements with respect to our

% EBITDA Mid-single digit growth CAPEX (exclude spectrum) Bt27–30bn (depending on Foreign Exchange Rate) Core service revenue to grow cautiously amid risks and uncertainties at 3 – 5% In 2023, the

service revenue Around 3 – 5 % EBITDA Mid-single digit growth CAPEX (exclude spectrum) Bt27–30bn (depending on Foreign Exchange Rate) Core service revenue to grow cautiously amid risks and uncertainties at

in a decrease in the cost-to-income ratio, which stood at 42.52 percent. KBank has set aside higher allowance for impairment loss on loans, in line with uncertainties from the ongoing economic slowdown