Discussion & Analysis (MD&A) Q3/2018 For the 9M/2018, the company and its subsidiaries had a net increase in cash and cash equivalents increased by Baht 1,786 million or 42% from the fiscal year of 2017

the operation of the assets under (1) (2) (3) or (4) not less than seventy-five percent of the company’s total income in each fiscal year and; (b) meets one of the following criteria; 1. has or will

total asset value (b) has an income deriving from the operation of the said assets not less than 75 percent of the company’s total income in each fiscal year; (12) forward contracts made specifically for

with the key benchmarks: - Discussion and analysis on the financial condition and the operating results during the past two fiscal years is required only when they have a significant impact on the

could include, for example, the impact of inflation, the impact of foreign currency fluctuations, and any governmental economic, fiscal, monetary or political policies or factors that have materially

economic, fiscal, monetary or political policies or factors that have materially affected, or could materially affect, the company’s operations. Also disclose any significant components of revenues and

31 December 2023 is the most recently completed fiscal year at the time the application is filed; the financial statements or the consolidated financial statements for the three most recent years, and

or consolidated financial statements for the year ended 31 December 2023 is the most recently completed fiscal year at the time the application is filed; the financial statements or the consolidated

ประสานความร่วมมือกับเครือข่าย พนัธมิตรทัง้ธุรกิจการเงินและธุรกิจที่ไม่ใช่การเงินทัง้ในและต่างประเทศ (KASIKORNBANK and Beyond) เพื่อให้เข้า ใจความต้องการของลกูค้าในระดบัปัจเจกบคุคล (Segment of One) และสามา

” concept. All of these endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept, and to provide smart, personalized financial and life solutions to the