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

, securities regulation, accounting and auditing standards, insolvency law, contract law, labour law and tax law. Corporate governance practices of individual companies are also often influenced by human rights

line with the TCFD, refers to the potential positive impacts on an organization resulting from efforts to mitigate and adapt to climate change, such as through resource efficiency and cost savings, the

31 5. Operations of Support Groups 34 5.1 Human Resource Management 34 5.2 IT Management 36 1 1. Overview of Operating Environment 1.1 Global and Thai Economy in the Third Quarter of 2019 The global

extended our aspiration to become the most-preferred platform that can meet customers’ needs in every aspect of their lives. All of these endeavors aim to understand and anticipate each individual customer’s

deliver a positive customer experience anywhere, anytime through collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, startups and our business partners under the

accept no responsibility for loss occasioned by any person acting or refraining from action as a result of any views expressed in these pages. No one should act upon such information without appropriate

OPERATIONS HEART : LIVING RIGHT HEALTH : LIVING WELL HOME : LIVING TOGETHER CORPORATE GOVERNANCE 100% OF BUSINESS IMPLEMENT A CORPORATE GOVERNANCE ASSESSMENT HUMAN RIGHTS & LABOR PRACTICES 100% OF BUSINESS

................................................................. 38 5.5. KSI5: Building Human Capital .................................................................................................... 44 6. Implementing the Initiatives

” 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