aspires to become “Customers’ Life Platform of Choice”. We will thus work with our partners, both domestic and international, to create ecosystem partnership collaboration under the “KASIKORNBANK and Beyond

the enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership over the long term through collaboration and synergy with other companies within

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

experience. To this end, we have emphasized collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, startup firms and strategic partners. In the third quarter of 2018, KBank

Company Limited (the “Company”) would like to inform management discussion and analysis for its results of operations from the financial statements for the three-month period ended 30 June 2019 as follows

order to develop new differentiating products. For examples, Croffle with Jo Banoffee flavor (collaboration with Jo’s Banoffee), Okonomiyaki Pancake Mix (collaboration with Bar B Q Plaza) and Tomato

7 3. Business Directions and Operations of Core Businesses 9 3.1 Sustainable Development and Corporate Governance 9 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of

investment unit selling.The SEC led Thai private sector on a business trip to Japan in February to meet Japanese executives from both public and private sectors, aiming to strengthen collaboration with FSA

time, we have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai Life Assurance Public Company Limited and our business partners, for service

Competition 1 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 3. Business Directions and Operations of