introduced customized financial services and innovations that provide greater customer convenience, speed and reliability with ever-greater consideration of consumer protection and customer privacy. Being

bilingually, in Thai and English, for the public’s convenience. The SEC introduced the ESG Product Platform in January 2023 to make it convenient for market participants and the general public to access

Regulations and Rules related to Business Operations 2 2. Risk Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk Management 7 2.3 Liquidity Risk Management 8 2.4 Digital Risk 8 3

consumer protection and customer privacy, taking into account the changing customer expectations for greater convenience and speediness over omni-channel. Beyond the above strategies, we focus on proactive

7 3. Business Directions and Operations of Core Businesses 9 3.1 Sustainable Development and Corporate Governance 9 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of

, especially those under the National e-Payment Master Plan, which allows customers to conduct transactions with greater convenience while also strengthening their business operations both at home and abroad

SEC Secretary-General Ruenvadee Suwanmongkol said that SEC is well aware of the importance and necessity in enhancing competitiveness with standardized rules and regulations and convenience to the

Management 17  Digital Risk Management 18  Strategic Risk Management 19 3. Business Directions and Operations of Core Businesses 20 3.1 Sustainable Development and Corporate Governance 20 3.2 Business

branches. In addition, there was growth in sales through modern trade channels, particularly convenience stores such as 7-Eleven, which began product distribution in July 2024. R E V EN UE : • The Company’s

3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance 7 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of