, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has established business direction primarily by considering the balance of three dimensions – economy, society

7 3. Business Directions and Operations of Core Businesses 9 3.1 Sustainable Development and Corporate Governance 9 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of

Platform of Choice” in order to maintain existing clients with good track records while also broadening opportunities to acquire new patrons via digital channels. KASIKORNBANK has established its business

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

customer experience. We have collaborated with our partners, cross-industry and cross-border, to create ecosystem partnerships under the “KASIKORNBANK and Beyond” concept, taking into account changing

an excellent customer experience. We have collaborated with our partners, cross-industry and cross-border, to create ecosystem partnerships under the “KASIKORNBANK and Beyond” concept. All of these

governance, appropriate risk management and effective cost management. At the same time, we have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai

and Corporate Governance 7 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK 8 3.3 Customer Segments and Services 8 3.4 Service Channels 12 3.5 Awards and

KASIKORNBANK FINANCIAL CONGLOMERATE according to the Basel III Accord B was 18.53 percent, with a Tier 1 capital ratio of 15.17 percent, remaining sufficient to cushion against risk in times of crisis, and

businesses have felt compelled to seek new business opportunities. KASIKORNBANK has established our business directions on the foundation of a Bank of Sustainability, accounting for the balance of three