E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2019 In the first quarter of 2019, the Thai economy continued to sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has e...

E_1 Legal_FA_2015_12_29-c A HibrWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2018 The Thai economy in the third quarter of 2018 grew at a decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles. Nonetheless, the business sector remained challenged by new modes of competition, the broade...

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2018 The Thai economy in the second quarter of 2018 gained further traction from the first quarter. The ongoing economic rebound was mainly driven by exports and tourism, whereas domestic spending and investment only gradually picked up. Still, the economy has yet to see strong across-the-board growth. The business sector remained challenged by new modes of competition...

E_1 Legal_FA_2015_12_29-c A WCorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2018 In 2018, the overall Thai economy maintained its growth due largely to healthier growth of exports and tourism, especially in the first half of the year. Meanwhile, the government continued to implement measures to promote and strengthen the domestic economy through support of investment and private spending as well as bolstering opportunities for other econo...

involved in a credit rating committee. garding the creditworthiness of an entity or obligation, expressed using an established and defined ranking system. to determine an initial credit rating, an upgrade of

Class 1 - Acquisition and Disposition of Asset Transaction with values less than 15%. Therefore, the Company are not required to perform any disclosure under the obligation of such Notification. Page 2

% when compared to the same period of 2018. Resulting from the employment benefit obligation. 4. Financial costs decreased Baht 4.41 Million or decreased 27.88% when compared to the same period of 2018

same period of last year Q2-2016. Company Name The employee benefit obligation * Old Basic Information The employee benefit obligation * New Basic Information Different from The employee benefit

3.78 Million or 15.53% when compared to the same period of 2018. Resulting from increasing in the employment benefit obligation based on the Labor Protection Act (Issue 7) B.E. 2562 which revised in rate

provision based on the best estimate of the expenditure required to settle the present obligation by taking into account factors such as the amount of debt relieved by the rehabilitation plan, interest claims