. Operations of Support Groups 56 5.1 Human Resource Management 56 5.2 IT Management 59 6. KASIKORNBANK’s Investments in Subsidiaries and Associated Companies 61 7. Shareholder Risk Management 62 1 1. Overview

25 4.4 Treasury Operations 29 4.5 Capital Requirements 29 4.6 Credit Ratings 31 5. Operations of Support Groups 33 5.1 Human Resource Management 33 5.2 IT Management 35 1 1. Overview of Operating

still continues to optimize the use of energy through efficient operation of power plant. However, Sriracha Power Plant will have major maintenance this year according to the scheduled maintenance. For

. Overall, we always provide support to commercial loans and lending for energy efficiency as well as the harnessing of clean energy in place of fossil fuels, based on sound corporate governance practices

placing a great emphasis on effective revenue generation and efficient cost management. CPN currently manages 30 shopping malls with the net leasable area (NLA) of approximately 1.6 mn sqm. In 3Q17, the

support environment-friendly businesses and projects via the integration of environmental and energy management practices into all our operations.  Society: KBank issued the Diversity Management statement

number of LED lighting luminaires to an Australian Retail Chain to replace the less energy efficient ones in order to conserve energy, but this year the Retail Chain had delayed the investments. Profit for

customer engagement in order to reinforce our digital banking leadership, in support of the national policy of making Thailand a cashless society, we launched a “No Fees” campaign for funds transfer, top-up

increase in minimum wages, local SME projects and agricultural business reform, to support the low-income group. Overall, the Thai economy is on course for a steady year of growth, according to the Bank of

and derivatives business operators to support the government’s policy above and align with the holiday schedule established for financial institutions and specialized financial institutions.