of Baht 15 million. For services, the Bank introduced “KK Magic Mirror”, an interactive financial advisory service through LED format with live video call capability to provide customers with an

loan amount of Baht 15 million. For services, the Bank introduced “KK Magic Mirror”, an interactive financial advisory service through LED format with live video call capability to provide customers with

KASIKORNBANK 10 3.3 Customer Segments and Services 11 3.4 Service Channels 15 3.5 Awards and Commendation 17 4. Operating Performance and Financial Position Analysis 18 4.1 Operating Performance 18 4.2 Financial

3.3 Customer Segments and Services 27 3.4 Service Channels 33 3.5 Awards and Commendation 35 4. Operating Performance and Financial Position Analysis 37 4.1 Operating Performance 37 4.2 Financial

generating new opportunities to increase revenues. In terms of customer base expansion, financial innovation has created new forms of financial services which enable banks to explore new business opportunities

and services income, net 1,275,577 1,130,742 144,835 12.8 Gain on financial instruments measured at fair value through profit or loss 459,381 0 459,381 n.a. Gain on trading and foreign exchange

and services income, net 1,275,577 1,130,742 144,835 12.8 Gain on financial liabilities designated at fair value through profit or loss, net 459,381 0 459,381 n.a. Gain on trading and foreign exchange

392,980 49,767 12.7 Fees and services income, net 4,579,278 4,055,136 524,142 12.9 Gain on trading and foreign exchange transactions, net 457,007 268,337 188,670 70.3 Gain on financial liabilities

comprehensive financial services to meet clients’ demands. Commercial Banking Business including retail lending, commercial lending, corporate lending, Special Asset Management (SAM) or distressed asset

105,999 99,298 6,701 6.7 Fees and services income, net 1,059,318 1,027,572 31,746 3.1 Gain on trading and foreign exchange transactions, net 30,383 44,771 (14,388) (32.1) Loss on financial liabilities