Type of securities : Common share | Effective Date : 28/11/2017 | Close Selling Date : 04/11/2017

ประเภทหลักทรัพย์ : หุ้นสามัญ | วันที่มีผลใช้บังคับ : 28/11/2560 | วันที่ปิดการขาย : 04/11/2560

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

well as regulatory burden. This would lead to more efficiency and clarity. We have also committed ourselves to promote best practices of environment, social and good governance as well as human rights in

” concept. Moreover, under the “Segment of One” concept, we focus on strengthening our capabilities by using data and advanced technology to understand and anticipate each individual customer’s need and

Companies and Muang Thai Life Assurance PCL 50 4.6 Capital Requirements 52 4.7 Credit Ratings 54 5. Operations of Support Groups 57 5.1 Human Resource Management 57 5.2 IT Management 60 6. KASIKORNBANK’s

%) EBT 73.68 29.0% 78.31 28.6% 4.63 6.3% Tax 7.83 3.1% 7.74 2.8% (0.09) (1.1%) Net Profit After Tax 65.85 25.9% 70.57 25.8% 4.72 7.2% Revenue from service The Humanica Group of Companies (“HUMAN” or the

%) EBT 73.68 29.0% 78.31 28.6% 4.63 6.3% Tax 7.83 3.1% 7.74 2.8% (0.09) (1.1%) Net Profit After Tax 65.85 25.9% 70.57 25.8% 4.72 7.2% Revenue from service The Humanica Group of Companies (“HUMAN” or the

Position Analysis 24 4.3 Loans and Deposits 26 4.4 Treasury Operations 30 4.5 Capital Requirements 30 4.6 Credit Ratings 32 5. Operations of Support Groups 34 5.1 Human Resource Management 34 5.2 IT

. Operations of Support Groups 38 5.1 Human Resource Management 38 5.2 IT Management 40 1 1. Overview of Operating Environment 1.1 Global and Thai Economy in the First Quarter of 2020 The global economy saw a