in support of the national policy of making Thailand a cashless society. We always strive to bolster our capabilities in providing services via digital channels to promote increased digital

clearing and settlement related to or because of a client’s derivatives trading. The benefits, the controlling power or the financial support under Paragraph 1 may arise from an agreement, an understanding

. 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

) Management’s Discussion and Analysis | 2 Executive Summary In 2017, palm oil production in domestic and international market had improved since recovery from drought causing by El Nino effect in 2016. As palm

lockdown in Thailand was lifted and business activities resumed in this quarter. However, economic recovery remained vulnerable as service sector continued to be impacted by the absence of foreign tourists

global economic recovery. Thai exports and tourism thus grew healthily, being a major thrust for Thai economic growth. KBank offered fund-raising support via debt market for our large corporate clients

” trademark domestically to expand its customer base to younger generation through offline and online media together with sales and marketing promotion in many channels, which lead to the recovery of the

being the continuous recovery of the tourism sector, the private consumption and the private investment, while the headline inflation rate averaged of only 0.5%. The unemployment rate in 3Q/2023 was

the continuous recovery of the tourism sector, the private consumption and the private investment, while the headline inflation rate averaged of only 1.2%. The unemployment rate in 4Q/2023 was slightly

large infrastructure projects will continue to support the economic growth and help bolster private investment recovery going forward. Nevertheless, monetary policies in the US and Europe necessitate