the management of proprietary portfolios; (7) Any other financial institutions specified by the Office with the approval of the Securities and Exchange Commission; (8) Securities companies for the

value creation of the investors’ portfolios. We are delighted to partner with the UN, PRI and AIGCC in promoting climate stewardship among Thai capital market participants, and in accelerating

corporate social responsibility. For securities companies? proprietary trading portfolios of 45,000 million baht, the ASCO will encourage our members to apply the guidelines in exercise of their votes at

monitored for their impacts on portfolios, and updated for reference in KBank’s database available to relevant users covering criteria for credit granting, management and credit risk management tools. Credit

acquisition cost for portfolios of loans purchased and Foreclosed Collateral Properties with various holding periods as of 30 September, 2019 Time since acquisition Less than 1 years From 1 to less than 2 years

previous recorded in 3Q.2019, due to an increase in bank loans to acquire new portfolios and short-term loans for working capital. ● Interest and discount on promissory notes in 4Q.2019 was lower by 52.82

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter of 2019. Exports, tourism and private investment – among major economic activities – were hampered by the worse-than-expected global economic slowdown. Meanwhile, consumers’ purchasing power weakened amid high household debt, whereas public investment and the government’s budget disbursement were aff...

Company Limited The following table sets forth certain details regarding the company’s cash collection and acquisition cost for portfolios of loans purchased and Foreclosed Collateral Properties with

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2019 In the first quarter of 2019, the Thai economy continued to sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has e...

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained traction, buoyed by both domestic and international factors. However, the business sector faced rising challenges, namely various forms of competition, a borderless marketplace within the ASEAN Economic Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus lea...