risks in Thailand Speakers Mr. Vitai Ratanakorn, President and CEO of Government Savings Bank Mr. Krit Jitjang, President of KASIKORNBANK Ms. Uthaiwan Anuchitanukul, Head of Excellence & Sustainable

Policy • Environmental Management Experience Sharing • Environmental Report AGENDA 4 Confidential BANK OF SUSTAINABILITY KASIKORNBANK Vision, Purpose and Culture To Empower Every Customer’s Life and

compulsory conditions 1) The seller must obtain the written consent of the Kasikornbank PCL., as the credit to the seller to exceptions to the requirements under the terms of the loan that was made between the

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

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

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