Discussion & Analysis Q3/2023 Executive Summary Significant Event Focus on Expanding Luggaw and Mikka Cafe In Q3/2023, the Company opened a new Luggaw branch in July at Unicorn Tower Phayathai, and the another
branches, including 2 branches in Bangkok at Bangyai PTT Petrol station and Porto Chino, and 1 branch in Rayong. In addition, for the remaining first half of the year in 2023, the Company have plans to open
Saimai Avenue branch, PTT Pattanakarn gas station branch, and PTT Rama 2 gas station branch. As a result, in Q2/2022, there were all together 4 After You Marketplace standalone branches. Focus on Expanding
are calculated from Total Revenue 1 Financial PerformanceExecutive Summary Significant Events Management Discussion & Analysis Q1/2022 2 Expanding to Overseas Market • On January 25, 2022, the Company
value more than Baht 100 million. CAZ’s customers are mainly in energy business such as PTT Group, Multinational Corporation Capital Structure: As of 5 February 2018, CAZ had a registered capital of Baht
of THB 39,000. After the acquisition, Master & More holds 100% of Open Play’ total shares. Open Play is a company that was granted the exclusive rights from PTT Public Company Limited to manage
on expanding our services for more comprehensive coverage. To this end, KBank appointed two more business partners, i.e., Inthanin Coffee and SPAR stores, to be our banking agents in offering KBank
may hinge mainly on recovery in economic activity. Amid the ongoing transition to the digital age in 2019, commercial banks may have to brace for intensified competition, especially in expanding their
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