Company has set strategic directions to further develops complete Omni-channel services that deliver new and superior retail shopping experiences that fit changing lifestyles of consumers in the era of NOW

importance on supporting functions, which are in harmony with our business directions that focus on effective, timely and proactive integrated risk management (IRM), internal operation efficiency, maximized

directions that focus on effective, timely and proactive integrated risk management (IRM), internal operation efficiency, maximized resource utilization, along with better IT systems, to ensure that we will

Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk Management 7 2.3 Liquidity Risk Management 8 2.4 Cyber Risk Management 8 3. Business Directions and Operations of Core Businesses 9

Business Operations 2 2. Risk Management and Risk Factors 4 2.1 Credit Risk Management 4 2.2 Market Risk Management 4 2.3 Liquidity Risk Management 5 3. Business Directions and Operations of Core Businesses

2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance

3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance 7 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of

of Directors. The information in the said matters shall clarify the directions and the determination to drive the business towards sustainability, as deemed appropriate by the Company, to be used as

the vision, objectives, goals and business strategies of the Company or the group of companies, as specified by the Board of Directors. The information in the said matters shall clarify the directions

. 2561 (“ประกาศที่ สจ. 38/2561”) The following instructions for filling out Form 59 are provided for general understanding. Reporters on changes of securities and derivatives holding are advised to consult