our no-gift policy to executives and employees of KBank, other companies under KASIKORNBANK FINANCIAL CONGLOMERATE, as well as our counterparties and customers • Reviewing knowledge and understanding on

effective and efficient performance of duties. They included: • Communicating our No Gift Policy to executives and employees of KBank, companies within KASIKORNBANK FINANCIAL CONGLOMERATE, as well as our

single brand of KASIKORNBANK. In alignment with our business strategies for 2019, KBank and subsidiaries thus reported Baht 38,727 million in net profit, increasing Baht 268 million or 0.70 percent

Directors reviewed and improved the human rights policy which has been applied across the operations of KBank and other companies in KASIKORNBANK FINANCIAL CONGLOMERATE as well as suppliers and joint ventures

1, 2020. Currently there are 5 D-SIBs in Thailand which are Bangkok Bank, Krung Thai Bank, Bank of Ayudhya, KASIKORNBANK, and Siam Commercial Bank. Over the past years, KBank has always recognized the

stimulus measures. Against this backdrop, KBank has established its business direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate

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

to departments within KBank and K Companies, as well as inviting external organizations to undertake KBank corporate governance assessment. 3.2 Business Directions of KASIKORNBANK and the Wholly-owned

experience. To this end, we have emphasized collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, startup firms and strategic partners. In the third quarter of 2018, KBank

Baht volatility and international capital movements. Within this context, KBank has accentuated enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership