broadband penetration and continuous ARPU uplift through cross-selling and upselling add-on content and innovative products. Service providers employed strategies targeting higher-tier customers with new

KASIKORNBANK FINANCIAL CONGLOMERATE according to the Basel III Accord B was 18.53 percent, with a Tier 1 capital ratio of 15.17 percent, remaining sufficient to cushion against risk in times of crisis, and

ซึ่งเป็นแนวทางเดียวกับการให้บริการที่เกี่ยวข้องกับตราสารด้อยสิทธิเพื่อนับเป็นเงินกองทุนของธนาคารพาณิชย์ (Basel III)(2) การให้บริการลูกค้าในธุรกรรมที่เกี่ยวข้องกับ IC Bond tier I และ Basel III tier I

Equity Tier 1 ratio by 1.0 percent in total, beginning with a 0.5 percent increase from January 1, 2019, rising to 1.0 percent from January 1, 2020 onwards. For the Bank, with the inclusion of net profit

evidenced, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.32 percent, with a Tier 1 capital ratio of 15.90 percent. The

profit for the year 2016 was at 15.96% while Tier-1 ratio was at 12.87%. When including profit up to end of 1Q18, the BIS ratio will increase to 18.05% while Tier-1 ratio will be 14.96%. Business Segment

increase to 16.97% while Tier-1 ratio will be 13.88%. Business Segment Performance The Kiatnakin Phatra Financial Group (“the Group”) business is divided into two main areas: the commercial banking business

for the first half of 2018 after deducting dividend payment, was at 16.29% while Tier-1 ratio was at 12 12.49%. When including profit up to end of 4Q18, the BIS ratio will increase to 17.46% while Tier

December 31, 2019, the Capital Adequacy Ratio (BIS ratio) under Basel III, which included profit for the first half of 2019 after deducting dividend payment, was at 16.60% while Tier-1 ratio was at 12.88

of 2Q17, the BIS ratio will increase to 18.64% while Tier-1 ratio will be 15.30%. 11 Business Segment Performance The Kiatnakin Phatra Financial Group (“the Group”) business is divided into two main