1 No. 3/2020 November 25, 2019 Re: Notification on the subscription of the newly issued shares in Thai Identity Sugar Factory Company Limited, a subsidiary of the Company Attn: The President of the

Thailand SEC Classification : ใชภ้ายใน (Internal) Discrimination against LGBTI in the workplace persists • 45% of LGBTI Thais had job applications refused because of their gender identity • 46% of LGBTI

Outlook Continued robust growth of Thailand Tourism industry 2017 Thailand tourism revenue increased by 9.5% from 2016 to THB 2.75 trillion, accounted for approximately 20% of GDP, contributed by revenue

independent consultants for recruitment or evaluation including their selection and terms of engagement and publically disclosing their identity and consulting fees; e) entering into dialogue with shareholders

was robust. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.55 percent, with a Tier 1 capital ratio of 16.19

dropped from the same period of last year. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced, capital

the uncertainties stemming from economic recession. However, our capital position – as of the end of the first quarter of 2020 – remained robust. As evidenced, capital adequacy ratio (CAR) of

capital position was robust. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.12 percent, with a Tier 1 capital

set robust environmental standards for the market. • As many of you know, IFC is at the forefront of creating green financing markets in Asia, including Thailand. Through our recent sustainable

6.0mn users, an increase of 9.5% in 1Q 2019/20 KEY BUSINESS AND STRATEGIC UPDATES VGI’S REBRANDING – COMBINING ALL BUSINESSES AS A SINGLE BRAND IDENTITY  1) ADVERTISING – ECOSYSTEM SYNERGY AND UNLOCKING