3.1 Sustainable Development and Corporate Governance 9 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK 10 3.3 Customer Segments and Services 11 3.4 Service

. (LH) holds 100% shares, as “Employee” 2. Siam Retail Development Co., Ltd. (SRD) as “Employer” Connected parties Mr. Anant Asavabhokhin is a major shareholder of LH, holding 24% shares, and also a major

Land and Houses PLC. (LH) holds 100% shares, as “Employee” 2. Siam Retail Development Co., Ltd. (SRD) as “Employer” Connected parties Mr. Anant Asavabhokhin is a major shareholder of LH, holding 24

Plc. (LH) holds 100% shares, as “Employee” 2. Siam Retail Development Co., Ltd. (SRD) as “Employer” Connected parties Mr. Anant Asavabhokhin is a major shareholder of LH, holding 24% shares, and also a

2017 from the increase of the new transferring project 9 projects (KnightsBridge Sky City Sapanmai, Notting Hill The Exclusive Charoenkrung, Pause Sukhumvit103, KnightsBridge The Ocean Sriracha

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

2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance

malls, enhancement of existing malls, new mixed-use development projects, such as residential development, study into value-accretive merger and acquisition (M&A) opportunities, as well as apply efficient

 Digital Risk Management 18  Strategic Risk Management 19 3. Business Directions and Operations of Core Businesses 21 3.1 Sustainable Development and Corporate Governance 21 3.2 Business Directions of

% YoY. The Company continues to emphasize on effective revenue generation through new shopping malls, enhancement of existing malls, new mixed-use development projects, such as residential development