• Compliance with ISO 14001 and OHSAS 18001, related to environment and safety United Nations Sustainable Development Goals Goal 3: Good health and well-being Goal 8: Decent work and economic growth Goal 11

 Digital Risk Management 18  Strategic Risk Management 19 3. Business Directions and Operations of Core Businesses 21 3.1 Sustainable Development and Corporate Governance 21 3.2 Business Directions of

Businesses 20 3.1 Sustainable Development and Corporate Governance 20 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK in 2017 and Outlook for the Next Three Years 24

1 ตัวอย่าง Social Bond Case Study1 African Development Bank - โครงการที่ส่งผลต่อ social impact เพ่ือลดความยากจน เกิดการสร้างงาน และโครงการลดผลกระทบทาง เศรษฐกิจและสังคมของชาวแอฟริกาจาก covid-19 ให้

) economic, social, cultural and political development. Manifests itself in the form of values and methods (equity), leadership, objectives and (access to) resources. What is GESI? Gender Equality 3Definitions

intended to limit the spread of COVID-19. The health and safety of our staff and customers remains our top priority. Our teams constantly evaluate the situation and use appropriate protocols to serve

for each location between 1-9 days as of the end of 1Q20. To facilitate safety and convenience for customers, the Company still provide necessary services in the shopping malls. The Company implement

2019 1. Highlights  Health and safety: There were 3 lost time injuries in H1 2019  Revenue: 528mTHB in H1 2019 compared to 548mTHB in H1 2018 a decrease of 4%  EBITDA: 98mTHB in H1 2019 compared to

. Highlights  Health and safety: There were zero lost time injuries in Q3 2019  Revenue: 220mTHB in Q3 2019 compared to 303mTHB in Q3 2018 a decrease of 27%  EBITDA: 37mTHB in Q3 2019 compared to 55mTHB in Q3

is key risk to virus transmission. With due consideration of the changing situation each week as well as 2 risk and safety of all AGM’s attendees and staff, the Company considers that despite our