 Digital Risk Management 18  Strategic Risk Management 19 3. Business Directions and Operations of Core Businesses 21 3.1 Sustainable Development and Corporate Governance 21 3.2 Business Directions of

6 3.1 Sustainable Development and Corporate Governance 6 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK 7 3.3 Customer Segments and Services 8 3.4 Service

the use of cryptographic controls and key management for protection of sensitive and critical information; (3) policy on the transfer of information within organization’s networks and with external

the use of cryptographic controls and key management for protection of sensitive and critical information; (3) policy on the transfer of information within organization’s networks and with external

the use of cryptographic controls and key management for protection of sensitive and critical information; (3) policy on the transfer of information within organization’s networks and with external

and its subsidiaries’ advertising and sales promotion expenses compared to year 2015. The specific business tax and transfer fees are in line with the income derived. 4.2 Administrative expenses For the

food and beverage business. Financial Cost Total cost of financing primarily resulted from interest costs in association with project loans, which are capitalized as development costs for respective

procedure; (10) The Financial Institutions Development Fund; (11) The Government pension fund; (12) Mutual funds under the securities and exchange law; (13) Juristic persons with investment fund of Baht one

Financial Institutions Development Fund; (11) The Government pension fund; (12) Mutual funds under the securities and exchange law; (13) Juristic persons with investment fund of Baht one hundred million or

investments. Non- interest income decreased Baht 5,750 million or 9.17 percent, due largely to cancellation of fees for funds transfer via digital channels, and decrease in net premiums earned - net, while