highest ranking management must be sought from the Bank of Thailand every four years. 4. Disclosure of additional corporate governance information is required, such as information on significant fine

in lending criteria or guidelines, especially those related to retail loans from the Bank of Thailand, which may curb the expansion of loans extended to certain groups of customers. Moreover, banks

in lending rates in line with the Thai policy rate during this quarter. Nonetheless, net interest margin (NIM) edged up slightly. Net fees and service income also rose over-year, due to a low- base

negotiations, together with their impact on supply chains and the Thai business sector. We thus put in place more stringent customer approval criteria for commercial lending policies applied to small and micro

criteria for commercial lending policies, prioritizing risk assessment through prudent screening and close monitoring of borrowers, especially those in small and micro businesses. Moreover, we adjusted

lenders to conduct information-based lending wherein other reliable factors can be used for loan consideration and approval.  Revise requirements for establishing credit limit of personal loan under

risks. We put in place more stringent customer approval criteria for commercial lending policies, and closely monitored borrowers, especially small and micro businesses, through appropriate

commercial banks’ main sources of revenue – posted a slight increase from the previous quarter and the same period of last year. Despite several commercial banks’ reductions in lending rates during this

greater market share. KASIKORN ASSET MANAGEMENT CO., LTD. remained at the top of the mutual fund business. KASIKORN LEASING CO., LTD. saw satisfactory lending business volume in line with the overall

., LTD. saw satisfactory lending business volume in line with the overall domestic automotive industry while also maintaining healthy asset quality. Meanwhile, KASIKORN FACTORY & EQUIPMENT CO., LTD