TikTok account “hshsocial.15” impersonates “HUA SENG HENG Co., Ltd.” : Unlicensed securities and derivatives business (Disclosure Date : 19/06/2024)

TikTok account ?dadachai.15? impersonates ?TISCO Securities Co., Ltd.? : Unlicensed securities and derivatives business (Disclosure Date : 22/11/2024)

TikTok account ?ohkajhu.official.15? impersonates ?Pluk Phak Praw Rak Mae Plc.? : Unlicensed securities and derivatives business (Disclosure Date : 11/12/2024)

TikTok account “hshsocial.15” impersonates “HUA SENG HENG Co., Ltd.” : Unlicensed securities and derivatives business (Disclosure Date : 19/06/2024)

Line Open Chat ?STOCK EXCLUSIVE 15? impersonates ?AMUNDI Mutual Fund Brokerage Securities (Thailand) Co., Ltd.? : Unlicensed securities and derivatives business (Disclosure Date : 06/02/2025)

Rules and Regulations Key Points 1. Revision of practical guidelines for entering regulatory sandbox, from Circular No. BOT ForThorNgor. Wor 311/2562 dated March 11, 2019, effective March 15, 2019 onward

customers. Given the cancellation of service fees and our broader customer base – now surpassing 15 million – the number of digital transactions is expected to grow steadily, thus slashing our cash management

Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 12  Credit Risk Management 12  Market Risk Management 15  Liquidity Risk Management 16  Operational Risk

KASIKORNBANK 7 3.3 Customer Segments and Services 9 3.4 Service Channels 12 3.5 Awards and Commendation 15 4. Operating Performance and Financial Position Analysis 16 4.1 Operating Performance 16 4.2 Financial

Channels 12 3.5 Awards and Commendation 15 4. Operating Performance and Financial Position Analysis 16 4.1 Operating Performance 16 4.2 Financial Position Analysis 21 4.3 Loans and Deposits 23 4.4 Treasury