of 63.6% YoY or THB 354mn. The increase was mainly from (i) full year recognition of finance expenses related to the hotel business in Europe and (ii) recognition of finance costs associated with

Network Services) recorded the highest record of quarterly performance. And Associated Company (Singer Thailand) had a performance that has grown more than 1 times in the past year 2019. And a quarterly net

Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2018 1 1.2 Banking Industry and Competition 2 1.3 Significant Regulations and Rules related to

. Operations of Support Groups 56 5.1 Human Resource Management 56 5.2 IT Management 59 6. KASIKORNBANK’s Investments in Subsidiaries and Associated Companies 61 7. Shareholder Risk Management 62 1 1. Overview

investment period. 4 - Revise credit granting criteria, credit-like transactions or debt guarantee for directors with managing authority or related parties of companies within financial conglomerates on a solo

debtor, or (b) any person who takes possession of the assets of such a debtor must inform an official receiver of information related to debts or assets of such a debtor within one month of having obtained

. KASIKORNBANK’s Investments in Subsidiaries and Associated Companies 61 7. Shareholder Risk Management 62 1 1. Overview of Operating Environment 1.1 Global and Thai Economy in 2018 and Outlook for 2019 The global

loopholes for dilatory act. It also sets forth protective measures for opposing parties and related third parties. For instance, the revision raises the value of properties that are not subject to seizure and

.  Criteria Related to Recovery Plan for Enhanced Stability and Problem-Solving The Bank of Thailand issued Notification of the BOT No. SorNorSor. 16/2561 (2018) Re: Commercial Banks Required to Prepare