KBank's Strategic Acquisition in Muang Thai Group Holding

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORN BANK Investment for Financial Inclusion by Adopting Challenger Bank via Technology & Partnership Aimed at boosting access to banking services among Thailand's unbanked and underbanked population as well as very small businesses and the self-employed INVESTMENT IN EMERGING TECHNOLOGIES / COLLABORATIONS/ ACQUISITIONS These substantial investments will secure KBank significant additional capabilities to fulfil mission to broaden access to banking. 'FIRSTS' THREE TRANSFORMATIONAL 'Challenger Bank' Adopting 'challenger bank' to transform the way banking is done and people's expectations of their bank NEW SYSTEMS & PROCESSES FOR SIMPLER & FASTER LOAN CONSIDERATION KBank has already been trialing multiple new systems and processes in preparation for this strategic push. LINE Buy-Now-Pay-Later Loans for those who are self-employed or have no documents to prove income Loans Fairer for Micro Enterprises Using interviews and other technology-assisted assessments to approve loans Social Media Banking Loans via LINE BK BROADENING ACCESS UPCOUNTRY THROUGH MOM-AND-POP STORES KBank is working with a major retail group to give upcountry mom-and-pop store operators easier access to loans without collateral, as well as providing loans to the stores' customers. บริการทุกระดับประทับใจ KASIKORNTHAI Growth Strategy: Dominate Digital Payment K ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK 27 27 To increase digital market share and active K PLUS users PAY: To make payment accessible anytime, anywhere for everyone with secure, convenient, and good customer experience Strategy Consumer Payment Empower moment to pay anytime anywhere borderless experience with variety source of fund across channels Commercial Payment Enhance business opportunity and trustworthiness thru reliable payment solution and universal source of fund acceptance capability which fits domestic and overseas ecosystem Regional Payment Enrich CLMV customers' cross border payment experience with simple and cost-efficient solution by leveraging KBank local channels K PLUS Key Achievements in 1Q23 ⚫ K PLUS user continuously grew 17% YoY to 20.6 million users • Real time, full payment covering all major corridors • Increase engagement and stickiness by embedding in customer everyday spending activities Merchant Solution for High Growth Segment • Rebranding "K SHOP Get Money Easily and Surely" • Uplifting merchant capability: K SHOP Payment Link, Installment Cross Bank Trustworthy Business Payment Solution • Cross Border Fund Transfer to major corridors on K BIZ for small customers Uplifting payment capability: bulk payment, real-time payment API QAPI ช้อป า นกน้อย ต้องใช้ DOD her ได้ทุกธนา Konk โอนจ่ายง่าย ได้หลายบัญชี malo lunanides I BIZ KPoint K-market บริการทุกระดับประทับใจ 28 28

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