hold small-scale seminars in other provinces nationwide to allow our clients residing there to gain access to world-class knowledge.  Affluent KBank prioritized expansion of new customers with potential

, Switzerland. 14  Affluent We continued to place our focus on making KBank our Customers’ Main Bank under the core strategy of “Customer Centricity”. With “Big Data” processing and analyzing to provide insights

Japan. Moreover, KBank gave support to our customers to join networking sessions and activities throughout the course so as to further develop their cordial relationships.  Affluent We continued to place

asset management companies via our open architecture platform.  Affluent KBank prioritized expansion of new potential customers who reside in strategic provinces across the country through the

personnel.  Affluent KBank continued to place our focus on becoming our Customers’ Main Bank. We prioritized portfolio quality improvement in a comprehensive manner via collaboration of relevant divisions

20T H ANNIVERSARY 1 Securities and Exchange Commission, Thailand Annual Report 2012 SEC ANNUAL REPORT 20122 THE YEAR OF CHANGE The year 2012 was the time for change to become the visionary partner whose balance between proactive and preventive approaches has led to stakeholders’ confidence in the Thai capital market. THE YEAR OF CHANGE 20T H ANNIVERSARY 1 02 MESSAGE FROM THE CHAiRMAN 04 MESSAGE FROM THE SECRETARY-GENERAl 06 SEC BOARd 09 CApiTAl MARkET SupERviSORY BOARd 12 ExECuTivE OFFiCERS 13 O...

weighs the impact of each factor even if some factors alone may increase the overall risk to high level, e.g., the client’s lack of integrity, which may cause the result of risk assessment to fail to

in Asia.  Going forward, structural changes taking place in Asia should benefit the industry as a whole. Lack of new announcements in capacity expansions and continued growth in demand is a positive

or lack of information should be informed of the essence. It’s also certified the summary of Financial Statement and Financial Information in the Information Memorandum that are shown completely and

). However, the financial costs from these funding sources were very high. The Company had no ability to compete with the HRC import price from time to time. Moreover, lack of working capital caused the