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

” 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

of 2019, KBank continued to prioritize upgrades of our capability in data compilation and analytics. This will allow us to understand and anticipate each individual customer’s needs under the “Segment

these endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and product management

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

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

, 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

law on concerning agricultural futures trading; (18) international financial institution; (19) Deposit Protection Agency; (20) Stock Exchange of Thailand; (21) juristic person in the category of

Thailand, unless specifically exempted under the terms of an applicable double tax treaty, in case that the Offeree is a foreign juristic person not operating any business in Thailand and not residing in a

enterprise segment focuses on core products like connectivity, 5G digital infrastructure, and platforms, aiming for higher margins through collaboration with targeted industries. Market and Competitive