circumstances. 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 adequacy ratio (CAR) of KASIKORNBANK

compared to the year before. Net interest income increased by Baht 4,150 million or 4.21 percent due mainly to interest income from loans and investments. Net interest margin (NIM) therefore stood at 3.31

views about developments in the US-China trade negotiations. Nonetheless, the protracted Brexit risk, and the Federal Reserve’s unanimous decision to hold the policy rate at 2.25-2.50 percent while

governance, appropriate risk management and effective cost management. At the same time, we have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai

effective actions when customers or employees are found to be at risk of infection or diagnosed with COVID-19. 2. Prepare business continuity planning (BCP)  Determine mission critical activities (MCA) to

enterprises (SOEs), which include some of the largest listed companies. Thailand is also notable for a number of initiatives to improve corporate governance that go beyond legal or regulatory requirements

drifted downward and closed the year at 668.10 points, down by 104.05 points or 13.48% compared to the end of 2003 (Figure 1). THAILAND’S CAPITAL MARKET OVERVIEW Source : Stock Exchange of Thailand The

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markets. At the end of 2012, the SET Index closed at 1,391.93 points or a 35.76 percent increase, a record high in the past 16 years. The market capitalization was 11,964.47 billion baht, or a 41.01 percent