of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the

Baht volatility and international capital movements. Within this context, KBank has accentuated enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership

, especially global economic fluctuations and unresolved political issues. Businesses have also had to contend with new regulations and government projects. All of these factors affected the performance of KBank

to promote the application for debit card via mobile phone and spur greater card spending. 3.4 Service Channels In the second quarter of 2018, KBank maintained our commitment to developing efficiency

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

single brand of KASIKORNBANK. In alignment with our business strategies for 2019, KBank and subsidiaries thus reported Baht 38,727 million in net profit, increasing Baht 268 million or 0.70 percent

our focus on QR payment acceptance with Thai QR Payment and MyPromptQR via K PLUS Shop – a mobile application designed for merchants, KBank teamed with Thailand Post to offer discounts on EMS fees in

the K PLUS SHOP customer base via mobile phone. One notable endeavor was development of a Social Payment feature on the K PLUS SHOP application, which facilitates buyers in their payment via QR code

customer privacy. Being aligned with our business strategies, KBank and subsidiaries thus reported that net profit for the first quarter of 2019 totaled Baht 10,044 million, decreasing Baht 722 million or

. Within 9 months the competitors gradually disappeared and the company gained 50% market share. In the part of mobile top-up market share, the company gained it from several channels especially ROM. As a