with the country’s move towards a cashless society. Technology innovations make it easier to make payments, transfer and raise funds, provide loans, and manage financial assets. Digital finance helps to

% 13.2% - ROA 3.0% 3.5% - Milestones & Developments in 3Q24 ▪ In November 2024, the Company launched the “AEON PRiMO Digital Credit Card,” our second digital credit care, targeting the younger generation

introduced customized financial services and innovations that provide greater customer convenience, speed and reliability with ever-greater consideration of consumer protection and customer privacy. Being

own, with standards comparable to those of the regulatory sandbox, in order to support the development of innovations and shorten the time until market launch. The move will help increase efficiency in

last year. Due to an increase of revenues from the property management and cleaning services which was in line with the increase of successful ownership transfers from 4 completed developments and

BCP’s loyalty card, “Bangchak Green Miles” that allows members to collect points from purchase of any product. Developments were also made to the member card system in the form of a Digitized Loyalty

Audit Division 10  Key Developments to Strengthen Risk Management KBank places a great emphasis on effective and timely risk management. Risk management policies, tools and processes have been developed

. Meanwhile, KBank has placed our focus on upgrade of digital risk management capabilities along with continual monitoring of developments, to be in line with KBank’s objectives and the overall work plan which

the increase of successful ownership transfers completed developments and including incomes from deposits (of sold units) due to an increase of units that were unable to transfer within the company’s

” section on KBank’s website. 9 Risk Management Structure1) 1) Data as of December 31, 2018 Key Developments to Strengthen Risk Management KBank places the great emphasis on effective and proactive risk