"KASIKORNBANK PUBLIC COMPANY LIMITED"

KASIKORNBANK Public Company Limited was established in 1945 with registered capital of Baht 5 Million and has been listed on the Stock Exchange of Thailand (SET) since 1976. As of December 31, 2005, the Bank is the third largest commercial bank in Thailand as measured by total assets, loans, and deposits. The Bank, with registered capital of Baht 30.5 billion and paid up capital of Baht 23.7 billion, had total assets of Baht 837.7 billion, total deposits of Baht 689.6 billion and total loans of Baht 595.0 billion. The Bank provides a broad range of consumer, commercial, and corporate banking services, including lending, deposit-taking, credit card services, international trade financing, custodian services, asset management, and investment banking services. As of December 31, 2005, the Bank operated 495 ranches, 35 foreign exchange offices and 15 international trade centers throughout Thailand. The Bank branch network extends throughout Thailand’s 76 provinces, as well as internationally with four branches overseas in Hong Kong, Los Angeles, Cayman Islands and Shenzhen and three representative offices in Beijing, Shanghai and Kunming.

As a result of a recent re-engineering process, the Bank has the country’s most advanced computerized retailing services at all branches. With a highly innovative background, the Bank is credited with the introduction of a long line of new banking services in the Kingdom. The bank started the first financial company in Thailand and was the first to issue a national brand credit card. The bank’s ATM machine network numbers 1,981 nationwide.

In the SET, KASIKORNBANK shares are considered one of the top blue-chip stocks. The Bank has one of the largest market capitalizations of any company listed on the SET. The Bank enjoys strong shareholder and investor support in Thailand and abroad. At the height of the financial crisis, the Bank successfully raised new capital worth Baht 33 billion (US$857 million) in April 1998 from international investors and Baht 40 billion from domestic investors in January 1999. Recently, the Bank has succeeded in raising new capital of Baht 23.5 billion from the general public with a preferential allocation to eligible shareholders in October 1999. This development has made the Bank one of the strongest financial institutions in Thailand

In 1997, the bank was voted:

- The Best Venture Capital Services, Thailand Commercial Bank of the Year and One of the Best Managed Companies in Thailand by Asiamoney Magazine
- The Best Local Commercial Bank in Thailand by Euromoney Magazine
- Bank of The Year by The Interest Magazine
- The Asian Banking Digest Award 1997 by The Asia Banking Digest Magazine
- Top Bank of Thailand by Global Finance

In 1998, the Bank was voted:

- The Best Bank in Thailand receiving the Euromoney Award for Excellence
- Thailand Commercial Bank of the Year by Asiamoney Magazine
- Top Bank of Thailand by Global Finance
- Bank of The Year by Money & Banking Magazine
- The Best Domestic Commercial Bank in Thailand by Finance Asia Magazine
* And Banthoon Lamsam president of The Bank was Selected as “Banker of the Year” by The Interest Magazine.

In 1999, the Bank was voted:

- The Best Bank in Thailand by Euromoney Magazine
- The Best Domestic Commercial Bank in Thailand by Finance Asia Magazine
- The Best Domestic Bank in Thailand by Global Finance Magazine
- Top Bank of Thailand by Far Eastern Economic Review’s REVIEW 200 Survey
- The Best Managed Companies in Thailand by Asiamoney Magazine
* And Banthoon Lamsam president of The Bank was selected as :
- Banker of The Year by The Interest Magazine
- Banker of The Year by Money & Banking Magazine

In 2000, the Bank was voted:

- The Best Domestic Bank in Thailand by Global Finance Magazine (for the fourth year running)
- The Best Emerging Market Bank by Global Finance Magazine
- The Best Domestic Commercial Bank in Thailand by Finance Asia Magazine
- The Best Domestic Bank in Thailand by Euromoney Magazine (for the fourth year running)
- The Best Domestic Bond House in Thailand by Euromoney Magazine
- The Bank of the Year by The Banker Magazine
- The Second Company Leader in Thailand by Far Eastern Economic Review.
- Together with HSBC, the Annual Achievement Awards for underwriting the Export-Import Bank of Thailand’s bonds, totaling THB 500 Billion, by Finance Asia Magazine.
- Among the top five “Best Managed Companies” (for the third year running), the second “Best Annual Reporting” and “Best Investor Relations” in Thailand by Asiamoney Magazine

* And Banthoon Lamsam president of The Bank was selected as the “Star of Asia 2000” by Business Week Magazine.

In 2001, the Bank was voted:

- The Best Debt House in Thailand by Euromoney Magazine
- The Best Thai Baht bond House by FinanceAsia Magazine
- The Best Managed Company over last 10 years and Best Investor Relations 2001 in Thailand by Asiamoney

In 2002, the Bank was voted:

- Thai Farmers Bank Headquarter Building has received Best Practices Competition for Energy Efficient Building of Thailand 2002 by Department of Energy Affairs, Ministry of Science, Technology and Environment
- Thai Farmers Bank Headquarter Building has received ASEAN EE&C Best Practices Competition for Energy Efficient Building of the ASEAN Energy Awards 2002
- The Best Good Governance Company of Thailand by Euromoney Magazine
- Bank of The Year 2002 by Money & Banking Magazine
- Asia’s Best Companies 2002 by Finance Asia Magazine
- The Best Companies of Thailand 2002 and second among Asian banking and finance companies by Euromoney Magazine
- Thai Rating & Information Services ranked TFB as the “Good to Very Good” Corporate Governance (CG)
- Bank of The Year 2002 by The Interest Magazine
- Thailand Corporate Excellence Awards 2002 for Financial Management Excellence and Visionary Leadership by Thailand Management Association and Sasin Graduate Institute of Business Administration, Chulalongkorn University
- Disclosure Report Award 2002 by The Office of the Securities and Exchange Commission

In 2003, the Bank was voted:

- Board of the Year by National CG Committee, The Stock Exchange of Thailand
- Best Performance and Best Corporate Governance Report by The Stock Exchange of Thailand Awards 2003
- Best Bank in Thailand by The Banker Awards 2003, The Banker Magazine
* And Banthoon Lamsam president & CEO of the Bank was selected and the “Best CEO” by The Stock Exchange of Thailand Awards 2003
- Bank of The Year 2003 by Money & Banking Magazine (for the second year running)
- Best Company Investor Relations in Thailand by Institutional Investor Magazine
- Disclosure Report Award 2003 (for the second year running) & Popular Award 2003 by The Office of the Securities and Exchange Commission
- Best IR by a Thai Company 2003 by IR Magazine
- No. 1 in Corporate Governance Weighted by Assets of Responding Investing institutions by The Asset Magazine

In 2004, the Bank was voted:

- Best Awards for Outstanding Decoration National Flag in the Coporate Category within the Ratburana District Area
- TRIS considered and jointly upgraded the governance rating score of KBANK to 8.80 points from 8.61 in 2003, entitling it for the “Very Good” rating.
- Best Market Contributor of the Best Bond Awards 2003 by Thai Bond Dealing Centre
- Thailand Corporate Excellence Awards 2003 for Financial Management Excellence Award by Thailand Management Association and Sasin Graduate Institute of Business Administration, Chulalongkorn University
- Super Brand Award 2004 by Reader’s Digest Magazine
- Operational Excellence in Retail Financial Services Award by The Asian Banker Magazine
- Best Performance Awards, Best Corporate Governance Report Awards (for the second year running) and Best IR from SET Award 2004
- Best Bank in Thailand 2004 by Euromoney Magazine
- Best Bank in Thailand 2004 by Finance Asia Magazine
- Bank of The Year 2004 by The Banker Magazine
- Bank of The Year 2004 by Money & Banking Magazine (for the third year running)
- Best IR by a Thai Company 2004 by IR Magazine
- Corporate Governance Asia Recognition Awards 2004 by Corporate Governance Asia Magazine

In 2005, the Bank was voted:

- Outstanding Growth Award by VISA International Asia Pacific
- The Best of Asia from Corporate Governance Asia Recognition Awards by Corporate Governance Asia Magazine
- Triple A Best Cash Management Bank Country Awards by The Asset Magazine
- Top Underwriter, Deal of the Year, Best Market Contributor (for the second year running) and Best Bond House from Best Bond Award 2004 by Thai Bond Dealing Centre
- Best Domestic Commercial Bank by Asiamoney Magazine
- Best Emerging Market Banks 2005 by Global Finance Magazine
- Thailand Corporate Excellence Awards 2004 for Financial Management Excellence Award by Thailand Management Association and Sasin
- TRIS considered and jointly upgraded the governance rating score of KBANK to 8.89 points from 8.80 in 2004 and from 8.61 in 2003
- Best IR in the Singapore Market by a Thai Company 2005 (for the third year running) by IR Magazine and Singapore Exchange
- Board of The Year 2005 by Thai Institute of Directors Association , Thai Chamber,สภาอุตสาหกรรมไทย, The Thai Banker’s Association, Listed Companies Association and The Stock Exchange of Thailand
- Best Managed Company in the Banking and Financial Sector By Euro Money Magazine
- Bank of The Year 2005 by The Interest Magazine