in foreign currencies. For enhanced convenience, customers are able to redeem their KBank Reward Points via K PLUS. (3) K-Personal Loan: KBank introduced end-to-end digital lending solutions to both

the mechanism for supervising the service industry related to electronic transactions has been streamlined for enhanced clarity and in alignment with digital development for the economy and society

for enhanced convenience to our customers in keeping with the digital lifestyle. For credit cards, KBank focused on acquiring new high-income customers through the launch of credit card products to meet

processes to accommodate customer business operation. - K-Contact Center: We have developed numerous comprehensive service channels for enhanced customer convenience. The “Customer Feedback Management

relaxed rules will allow the private sector to 4 manage foreign exchange and conduct foreign exchange risk management with enhanced convenience and efficiency, effective February 15, 2020, which contain the

) contains a salient point on amendment to the Bank of Thailand’s limited authority under Financial Institution Business Act B.E. 2551 (2008) to ensure enhanced efficiency in supervising specialized financial

faster and with greater convenience at PTT Station and PTT Group retail stores. 3.4 Service Channels KBank maintained our commitment to developing efficiency in all our core service channels for enhanced

processes to accommodate customer business operation. 17 - K-Contact Center: We have developed numerous comprehensive service channels for enhanced customer convenience. KBank also worked with the Thai

consumer protection and customer privacy, taking into account the changing customer expectations for greater convenience and speediness over omni-channel. Beyond the above strategies, we focus on proactive

operating consumer goods business with largest convenience store chain. For your information Sincerely (Mr. Chirdsak Kukiattinun) Executive Chairman