production efficiency and competitiveness enhancement. Another notable program was a soft loan program catering for Small Business clients in promising tourist attractions and commercial zones to help them

has taken into account the public and stakeholders? comments and suggestions from the consultation on the governing principles conducted in last August. Notable changes were made to the level of ongoing

of debentures. Another notable initiative was development of the CBH PLUS application of Chon Buri Hospital, which links to the database of the National Health Security Office (NHSO) to allow patients

actions against cyber threats.  People and culture: KBank continues to emphasize the cultivation of a cyber risk-aware culture via communication through various formats. Notable endeavors included a

greater market share. KASIKORN ASSET MANAGEMENT CO., LTD. remained at the top of the mutual fund business. KASIKORN LEASING CO., LTD. saw satisfactory lending business volume in line with the overall

Plan. Notable endeavors included an added function for payment acceptance via QR code and more features for merchants, namely buyers’ purchase history shown in a sales summary report, UX/UI improvement

13.06% Loss on exchange rate 31 126 -95 -75.43% Expected credit losses (reversal) -10 -15 5 -31.23% EBIT before share of profit (loss) from investment in associates and joint venture 187 150 37 24.49

68.6% Gross Profit 813 396 417 105.3% Gross Profit Margin (%) 11.1% 9.3% 1.8% SG&A Expenses 456 310 146 46.9% EBIT before share of profit (loss) from Investment in Associates and Joint Venture 608 275

income payer shall be responsible for deducting a 15-percent withholding tax from taxable income which shall include (1) a share of profit or any other benefits of the same characteristics derived from the

term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of Core Businesses 3.1 Sustainable Development and Corporate Governance Notable progress of KBank’s