KASIKORNBANK Strategic Acquisition

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Scale Up Six Growth Strategies to Strengthen Core Business (2/3) PAY Dominate Digital Payment A Pay Anytime, Anywhere Empower pay anytime, anywhere borderless experience with variety of sources of funds across channels B Merchant Business Opportunities C D Enhance merchant business opportunities in domestic and international markets by enabling capability to accept universal sources of funds with meaningful reports Reliable Payment Solutions Enhance business' payment trustworthiness by providing reliable payment solutions fitting with ecosystem standards Best-in-Class Customer Experience in Cost Effectiveness Harmonized Sales & Services Experience A Leader Position in Mobile Platform Strengthen leader position in mobile platform as customers' main channel B Meaningful Ecosystems Embedding Embed in all meaningful ecosystems by expanding partners' selected ecosystems and global partners with E2E experiences C Best-in-Class Customer Experience Across Channels Harmonize customer experiences, build service culture across channels, and orchestrate experience centers while optimizing networks for sales, services, and branding Strengthen brilliant basics to deliver best-in-class customer experience in cost effectiveness บริการทุกระดับประทับใจ 27 27 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Scale Up Six Growth Strategies to Strengthen Core Business (3/3) Penetrate Regional Market A Aggressive Play Grow corporate lending portfolio aggressively in China & AEC B Mass Acquisition Play Acquire customers via transactional banking channels and business partners in China & AEC C Disruptive Play Accelerate digital lending and develop BaaS platform in China & AEC Improve Value-Based Productivity A E2E Product Cost Reduction Reduce cost per unit as well as migrate onboarding and service transaction to automation B Channel Cost Optimization Reduce total channel cost per transaction C Sales Productivity Improvement Increase sales by increasing coverage of potential customers and improve HROB current business D Enhance IT Effectiveness Improve IT project management to ensure delivery is on time and on budget; remodel IT for better cost saving and avoidance E Workforce Management Reskill and improve skills for the future บริการทุกระดับประทับใจ 28

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