Microsoft Word - 1_DRAFT_Criteria_Buildings.docx 1 Buildings Criteria The Buildings Criteria for the Climate Bonds Standard & Certification Scheme September 2018 Assessing climate change mitigation

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 right customer at the

repercussions for the Thai financial sector, combined with the enforcement of Thai Financial Reporting Standards related to Financial Instruments (including TFRS9) since January 1, 2020, which affects

initiatives included: 1) Non-Voice Channel & Self Service: The Chat Bot program has been developed to promptly provide accurate data related to KBank products, for greater service efficiency with enhanced

was robust. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.55 percent, with a Tier 1 capital ratio of 16.19

percent, with a Tier 1 capital ratio of 15.57 percent. Being aligned with our business strategies, all of the above endeavors allowed KBank and K Companies to meet business targets and at the same time gain

Conglomerate’s capital adequacy ratio (CAR) according to the Basel III Accord was 17.63 percent, with a Tier 1 capital ratio of 15.25 percent. KBank has emphasized synergy with K Companies, strategic partners and

requirement. As evidenced, the B Conglomerate’s capital adequacy ratio (CAR) according to the Basel III Accord was 18.23 percent, with a Tier 1 capital ratio of 15.91 percent. All of the above endeavors and

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4

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