major areas, namely (1) improvement of business operation in such areas as data storage system, management system, custody of clients’ assets and sale promotion advertising, (2) reporting of duty

complainants, namely (1) the initial clarification and related documents gathering phase, (2) the case consideration phase, and (3) legal proceedings phase. This complaint handling improvement aims to give more

have opportunities for further improvement especially on the board responsibilities conforming to the best practice guidelines. The SEC together with The Stock Exchange of Thailand, Thai Institute of

improvement SEC Classification : ใชภ้ายใน (Internal) Comments for Potential Improvements  Is loss-chasing behaviour (always) irrational behaviour?  What if taking more risk, as measured by portfolio

year. The score improvement reflects the SEC’s operating enhancements in various areas as well as preventive measures against corruption.  The SEC has received excellent results in the CRMS Assessment

and efficiency of the capital market. This will contribute to the robust and sustainable growth of the economy. We envision opportunities for developing the Thai capital market to support the

(IASB), and made financial contributions to facilitate the ongoing efforts of the Federation of Accounting Professions (FAP) in the improvement of the Thai accounting standards toward convergence with the

consequently enhancing the quality of the financial reporting. This robust quality control system works as an effective supporting mechanism for auditors and audit staff to perform and deliver high quality

durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our

circumstances. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK