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

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

” 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

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

’ Life Platform of Choice”, we have upgraded our capability in data compilation and analytics, allowing us to understand and anticipate each individual customer’s needs under the “Segment of One” while

. 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

: Certification of Information 37 Attachments: Attachment 1: Details of directors, executives, controlling persons, the person assigned to take the highest responsibility in Accounting and Finance, the person

related party transactions 33 Part 3: Financial Statements 36 Part 4: Certification of Information 37 Attachments: Attachment 1: Details of directors, executives, controlling persons, the person assigned to