Corporate Social Responsibility (CSR) Activities 213

CORPORATE SOCIAL RESPONSIBILITY (CSR) ACTIVITIES

As a financial conglomerate operating in conformity with Over the past years, KGroup has strived to support the Statements of Business Conduct, as well as Corporate sustainable growth for SMEs and recognized the importance Governance and Corporate Social Responsibility (CSR) of upgrading the competitive potential of entrepreneurs, Principles, KASIKORNBANKGROUP (KGroup) aims to become by adhering to good Corporate Governance Principles. a sustainable and transparent business with sound social Small-to-medium enterprises with sound business practices, responsibility. The CSR policies and activities, as approved by in particular, have thus been promoted to ensure their healthy the Board of Directors, are based on the following criteria: growth and effective contribution to the country’s economic • To strictly adhere to the Statement of Business Conduct, development. and to participate in social development and environmental To this end, entrepreneurs have been provided with protection business-related knowledge to give them a better understanding of • To encourage employees at all levels to strictly abide by how to efficiently operate their businesses, making improvements the Code of Conduct and CSR Principles by tackling relevant problems. This will eventually lead to more • To launch CSR activities for the benefit of all stakeholders sustainable growth in their business operations. • To arrange workplace by placing considerable emphasis Training courses and seminars have been staged by on safety, occupational health, environmental concerns KGroup to provide the customers and entrepreneurs’ and facilitation for employees and customers business-related knowledge that can be applied efficiently • To promote environmental preservation and contribution and in a timely manner. These programs, through which to society customers’ competitive potential is bolstered, help broaden Within the business area, KGroup has harmoniously their perspectives in doing business. KGroup acts as integrated the CSR concept with the business plan, and an intermediary to convey to the customers and entrepreneurs We have applied the knowledge gained from CSR the business concepts, philosophy, operating practices and experiences to create business-based innovations for the highest ideology that is consistent with the government’s policies and benefits to the business sector and society at large. In 2010, vision to promote Small and Medium Enterprise (SME) businesses. KASIKORNBANKGROUP continued to undertake CSR activities, In 2010, knowledge-based programs launched by KGroup included: focusing on participation of all employees, customers, and their communities. KGroup set aside a budget for CSR K SME Care: Project to Promote Sustainable Management activities at 1-1.5 percent of its annual net profit, and reported for SMEs CSR activities to the Corporate Governance Committee and With the development of financial service solutions for the Board of Directors on a regular basis. CSR activities can be both personal and business needs, KGroup strives to promote summarized in four categories, i.e., the sustainable growth of SME proprietors for a boundless business. Recognizing that SMEs are the main driver of the Business Activities Thai economy, KGroup has cooperated with its business As a financial institution operating under the Statement of allies in both the public and private sectors, i.e., leading Corporate Governance and Corporate Social Responsibility universities across the country, the Productivity (CSR) Principles, KGroup has avoided grants of credit to any Institute, the Institute for Small and Medium Enterprise projects in contravention of environmental laws, a measure Development and the Tax Research Center, to provide clearly established in its policy. SME customers relevant knowledge and news updates, 214 Annual Report 2010

in addition to financial products. KGroup also recognizes various businesses to extend help and share resources the importance of offering SME entrepreneurs non-financial as well as valuable experiences with one another. assistance such as know-how and business advice. A survey In 2010, KGroup organized 13 K SME Care classes to of entrepreneur demands showed that provision of timely help meet the needs of SMEs nationwide, with more than 8,000 information and competent business advisors is conducive participants. to their sustainable business growth. The “K SME Care” program has been launched to provide training courses to the K SME Care Knowledge Center general public free of charge. The program features intensive KASIKORNBANKGROUP has opened the K SME Care courses covering all aspects of business operations, which are Knowledge Center, the first of its kind in the Thai banking adjusted regularly to suit changing circumstances and different business, on the second floor of Chamchuri Square Building, regions. The courses, designed by experts and successful to provide advisory service solutions to all SME proprietors businesspersons, feature academic content integrated and those wishing to start their own businesses. Interested with business simulation games and business matching persons can make an appointment to use our advisory activities to help SMEs learn new skills and concepts regarding services. entrepreneurship, thus resulting in the formation of a business Learning sections of the K SME Care Knowledge Center community network, especially among participants of each can be divided into three parts as follows: training class. The activities have broadened the SME Care 1. Business Intelligence: This is a source of business Network Club, now totaling more than 8,000 members from knowledge for SME proprietors. KBank has cooperated with its business partners from many organizations to provide knowledge and news beneficial to SMEs. Services in this section include SME Guru, a service in which SME business specialists give SME proprietors one-on-one consulting services in such matters as brand building, listing on the stock market, accounting knowledge, etc. Other facilities in this section include Knowledge Corner, a self-access study zone providing business-related books, magazines and analyses; and Online Intelligence, an online knowledge source for K SME Care Knowledge Center, Chamchuri Square Building those who would like to search for or study business information and research papers from worldwide databases via the Internet. 2. Business Training: This section helps improve the potential of SME proprietors by equipping them with seminars, training courses and activities that meet all their needs at every stage of business. They are, i.e., Start-up Business, a training program for those who are in the initial stage of starting up a business. This training course will provide some basic knowledge and create A workshop organized for SME proprietors. Interested persons may follow our activities via www.ksmecare.com Corporate Social Responsibility (CSR) Activities 215

inspiration for business undertakings. Two other Green Accommodation Program: To Support courses are a course for Business Owners, which is Environmental-Friendly Projects for all proprietors who would like to develop and expand KGroup has always placed an emphasis on environmental their businesses based on business stability and policies and development, as evident from numerous sustainability, and a course for Lifestyle, a training awards presented in recognition of its environmental program which will give SME proprietors know-how to concern. To pursue such policies, KBank in cooperation balance work and life, such as techniques of gift with AFD or Agence Française de Développement wrapping, photography tips and the art of presentation (French Development Agency), launched the Green to win audiences. Accommodation Program which involves financing with 3. Business Network: This section will help all SME a special low interest rate of up to MLR-1.50% to hotel operators proprietors to build business networks which help along the Andaman coast, Ko Samui and Ko Chang willing to strengthen SME businesses. Activities arranged by commit to environmental preservation through measures the K SME Care Knowledge Center will give a chance including wastewater treatment, solid waste management as well as for participating SME proprietors to get together energy efficiency. Eligible projects are required to invest in facility and share business experiences with each other. and environmental development, as well as applying for a Green Activities provided include SME Society and Business Certificate for the tourism business. Matching, giving participating SME proprietors the chance to meet other trade partners. In addition, the Online Business Matching activity via www.ksmecare.com offers a new channel for building business networks. These activities have generated more than Baht 200 million in business value for SME entrepreneurs. In addition, KGroup has created online channels and tools to provide all SME segments with easier access to business knowledge and networks. They include www.ksmecare.com - a website that compiles all business knowledge including news, articles, items of research prepared by KResearch as well as KBank, in cooperation with the French Development Agency, launched the Green Accommodation Program with an aim of providing financial other information. Entrepreneurs can also gain new business support in the form of loans with special low interest rates opportunities online with Online Business Matching, a tool for business matching activities, as well as K SME Premium Support of Solar Power Farm Projects Mall - a program jointly launched by KGroup and Tarad.com Global warming, or climate change, is now a major to provide an online trading solution to all SMEs. environmental threat to our planet. Coordinated efforts worldwide In 2010, more than 10,000 SME entrepreneurs used the to ease this pressing problem are needed. The Thai government services of K SME Care Knowledge Center. has thus encouraged private power producers to shift to KGroup hopes that all learning sections under the renewable energy, which is a clean and environmentally friendly K SME Care Knowledge Center will help build a solid foundation fuel. As a large financial institution, KGroup has established for SME customers, with the KGroup as a partner, along their a policy of supporting solar farm projects either by being journey towards sustainable success. a financial advisor or a project finance supporter. KGroup has 216 Annual Report 2010

always recognized the importance of renewable energy K-ATM to reduce carbon footprint project in reducing reliance on natural gas - a major source of KGroup always puts emphasis on its “Going Green” electricity generation. KBank has provided financial support commitment to environmental preservation as well as to Solar Power Co., Ltd. to produce and sell solar power under environmentally friendly products and technology enhancement. two solar farm projects of 6-megawatt capacity in Sakon KBank thus launched the K-ATM to reduce carbon Nakhon and Nakhon Phanom provinces respectively. footprint project by making a change to ATM terminals for The financing is in line with KBank “Green Bank - Green reduction of electricity consumption. To this end, lighting time Financing - Green Project” concept, which aims to fully at 872 K-Lobby lounges and 299 stand-alone ATMs has been support all kinds of renewable energy projects. This project, cut from 12 hours per day to 4 hours, and the period for running which has seen tangible success, has been designed by ventilation at ATMs reduced to 10 hours daily from 18 hours. experienced executives and a working team having a profound As a result, energy consumption has been decreased by understanding of the energy business along with effective 61 percent, thus leading to reduction of carbon emissions - a major use of technology. In addition, KGroup, in cooperation with cause of the greenhouse effect - by 6,669 tons a year without various entities from the public and private sectors, has provided affecting our customer service delivery. a syndicated loan to the “Lop Buri Solar” project - the world’s The Bank has reduced the size of ATM slips, which have largest solar farm - initiated by Natural Energy Development also been changed to a more biodegradable paper, thus cutting Co., Ltd. (NED). paper usage by approximately 30 percent. However, all necessary information in the slip to be used for verification is still maintained which is a part of its efforts to encourage the participation of the general public in environmental conservation via our service

KBank provided financial support for the construction of Solar Cell “K-ATM: Carbon Footprint Reduction Project”, an initiative to solve global warming Power Farm effect by reducing the size of K-ATM slips and using biodegradable paper Corporate Social Responsibility (CSR) Activities 217

innovations that can both serve customer needs and reflect promote income/expense recording via the Internet KGroup commitment to the “Going Green” concept for and CDs distributed to general public to promote savings a sustainable and cleaner world. discipline and for enhanced convenience in their basic financial management. K-WePlan Program • Joint support with the Stock Exchange of Thailand (SET) for KGroup encourages the Thai society to recognize the sponsorship of the “Young Financial Star” competition, the importance of savings and financial planning. With its a student contest with the aim of searching for the best financial advisory services provided to both customers and financial planner. the general public, KGroup aims to increase their personal financial • Giving lectures through SET Corner project in management efficiency and thus help them to achieve their goals. coordination with SET to educational institutes. In 2010, KGroup organized activities to promote financial • Giving lectures on financial planning and management planning, personal finance advisory service, savings and other to students and lecturers as well as staff from organizations financial management aspects to educational institutions such as the Metropolitan Waterworks Authority, as well as public and private organizations. To summarize: Burapha University, Assumption University (ABAC), • Dissemination of knowledge and articles related to University of the Thai Chamber of Commerce, financial planning via the www.k-weplan.com website. Thammasat University, University • Development of K-Saving Memo program which records and Ubon Ratchathani University. incomes and savings expense which can be downloaded • Organizing “Underprivileged Youth Camp program” that from the website and CDs. K-Saving Memo intends to has been arranged by KGroup to provide knowledge on savings and spending to underprivileged children and community leaders.

Concern and Care Project from KASIKORNBANKGROUP As a part of KGroup efforts to give something in return to customers as a sign of its concern and care, KGroup provided K Excellence drinking water to customers at KBank branches across the country, charitable activities arranged by external organizations, and other activities of KGroup. These activities under the Concern and Care Project from KASIKORNBANKGROUP have been undertaken in a continuation from the previous year.

A lecture on financial planning and management given to students from KGroup provides K Excellence drinking water as a complimentary to various educational institutions, under K-WePlan program customers, and to support other KGroup’s social activities 218 Annual Report 2010

Environment and Safety that promotes knowledge of green architecture in terms of energy KGroup fully recognizes that safe, clean and pleasant conservation and environmentally-friendly buildings. In doing so, environments will help allow its employees to work more KGroup has organized seminars and welcomed study tours efficiently, as well as being convenient for customers and other to learn about green architecture. In addition, KGroup has persons doing business with KGroup. Therefore, KGroup launched books, pamphlets, a video presentation and website has adopted the occupational safety, health and environment about the Chaeng Watthana Building. A permanent exhibition programs in compliance with the standards established by on green building has also been set up in the entrance hall to the Ministry of Labour. Those programs are also consistent provide related knowledge and create shared inspiration among with recognized international standards. staff for organization development. Head Office building and other high-rise buildings of The Chaeng Watthana Building has been designed and KGroup are designed and equipped with fire protection systems constructed in a manner consistent with environmental standards meeting U.S. NFPA (National Fire Protection Association) knowns a Leadership in Energy and Environmental Design (LEED). standards, which are accepted worldwide. Important systems LEED was developed by the U.S. Green Building Council (USGBC), within the buildings include an automatic fire alarm system, an environmental organization in the United States that supports fire extinguishing system, smoke ventilation system, compressed and provides knowledge under the concept of sustainable design. air system for each floor, fire exits and an automated building The building’s construction and improvements also adopted control system. Moreover, at the Head Office Building, standards of the Thailand Energy & Environmental Assessment helicopter-landing pad loested on the rooftop of the car parking Method (TEEAM), which are design guidelines and assessment garage is built for emergency evacuation purpose. of energy-saving and environmentally-friendly buildings. The sanitation systems installed in the buildings are there for the health and safety of personnel working in these buildings, and include such systems as a two-stage air filtration system plus air conditioning for clean air, free from outside air pollution; lighting systems with standardized lighting values for comfortable eyesight; and ozone-treatment drinking water purification systems, etc. In addition, energy-efficient electrical appliances are used within the buildings. Regarding KGroup’s concern towards the environment in society and in communities, emergency electricity generators are installed with exhaust systems that filter out smoke and smells, and have noise abatement devices to prevent disturbing nearby communities. The highly efficient wastewater system provides treated water to the gardens and for use within the cooling system. Therefore, apart from helping to preserve the environment, the system also helps KGroup to significantly reduce water utility costs. “Green Building” Status of the Chaeng Watthana Building for Environmental Sustainability The Chaeng Watthana Building is the third building of KGroup’s Main Offices that has been categorized as a “green building”. It is one of the buildings we are most proud of, because KGroup KBank’s Chaeng Watthana Building has been recognized for being a leading business organization Corporate Social Responsibility (CSR) Activities 219

Architecture under the “green building” concept involves has adopted a human resource policy under the concept of characteristics that are simple yet creative, outstanding, elegant, enhancing opportunity and potential for our staff in achieving energy-saving, and sustainable. Exterior glass is insulated as professional excellence. The policy has also been designed to be well as laminated, a new technology preventing heat from entering consistent with KGroup’s business requirements and strategies the building. The glass is self-cleaning, in order to combat dust based on “Customer-Centricity,” which should help pave the way and filth; and it is anti-reflecting, so surrounding areas will not be for KGroup to become a stable and innovative financial institution, affected by glare. The Chaeng Watthana Building’s interior has as well as being able to respond to the needs of our customers been designed with the concept of openness in order to make more effectively. This will be achieved through the following: use of natural light for interior areas, to reduce electric light use • Selecting high quality personnel and enhancing their and increase ventilation to assist the standard air conditioning competency to suit certain tasks for their substantial system. Thus, the entire building is comfortably cool and career growth. consumes less energy. To save even more energy, all of the • Motivating every employee to achieve results, and to building’s electric lights are energy-saving LEDs. have the incentive to perform, and commitment to KGroup has installed a direct electric coagulation wastewater the organization. Also, enhancing employee leadership treatment system equipped with ultra-efficient filters to provide potential at every level as deemed appropriate. chemical-free water for use within the sanitary systems, which • Organizing and promoting organizational culture with helps KGroup reduce water utility costs by as much as 50 percent. an emphasis on teamwork and customer-centricity. As for the landscape, additional plots of land have been • Continuously promoting joint operation under the purchased for outdoor car parking, providing more open space KASIKORNBANKGROUP brand. and green areas to the Chaeng Watthana Building. The outdoor car parking area has been designed in a way that helps to Compensation and Benefits reduce heat on the hard parking surface, mitigating the so-called KGroup philosophy regarding compensation and benefits is “urban heat island” effect, and to allow 80 percent of rainwater based on the following principles: to permeate through, preventing water from being trapped • Compliance with the rule of law and justice. in parking spaces. In addition 166 parking spaces for • Competition in the labour market. energy-efficient vehicles and motorcycles have been reserved, • Suitability for the levels of competency and expertise accounting for 5 percent of the total parking space in the required in specific tasks. building. Meanwhile, building materials such as carpet, plywood, • Retaining competent employees and attracting qualified medium-density fiberboard (MDF), adhesives and paint meet the persons to work for KGroup. requirements of “Green Label” and “Green Guard”, and are • Motivating and providing incentives for employees to work below the volatile organic compounds (VOC) content limit, more efficiently according to the duties delegated to them. helping to improve indoor air quality and prevent cases of • Consistency with the KGroup business strategies. “sick building syndrome”. Noise, water runoff and dust occurring during the building’s construction were strictly controlled. In addition, Recognition stairways have been constructed to connect six locations within KGroup places significance on employee recognition by the building for easier access to each floor, helping to reduce presenting awards to employees, with the following objectives: the use of elevators and thus save electricity costs. • Promoting and providing moral support to employees who have demonstrated outstanding performance, Employees customer service behavior and teamwork behavior, Employees are resources of the highest value to the as well as motivating all employees to take part in building organization. Therefore, KGroup has always placed great lasting success and growth for KGroup. importance on the security and welfare of our employees. KGroup • Setting good examples for other employees to follow. 220 Annual Report 2010

In addition, KGroup aims to create an organizational culture that provides employees the opportunity to recognize one another at the workplace every day. Such a culture should encourage consistent, appropriate behavior among staff. Employee Relations KGroup adheres to the principles of providing fairness to all concerned parties based on the criteria set by law. KGroup also places great importance on promoting understanding and cordial relations among employees, and between KGroup and other organizations, through various internal communication Learning course for employees at KBank’s Learning Center channels and activities of KGroup. and skills to be consistent with KGroup’s strategic and business Organization Communications plans, so as to achieve optimum customer satisfaction. Among KGroup places great importance on organization communications the programs launched for KGroup employees in 2010 were: that are accurate, complete, transparent and timely. This is intended • A review of KGroup Core Values to ensure their to promote good understanding among KGroup employees, and consistence with KGroup’s visions and strategies. allow emergency matters to be broadly communicated to foster • A program to improve and develop the skill, competency, smooth business operations of KGroup. In addition, KGroup training roadmap and job qualifications of each position places strong emphasis on two-way communication as a means according to the strategic plans and the changing to obtain views from employees for improvements in business structure, duties and responsibilities of each division. operations and other processes. KGroup has opted to use varied The competency assessment system has also been internal communication channels to suit each group of employees, improved to promote staff career plans and development. for example, meetings, seminars, Lotus Notes, Kasikorn TV and • The Management Development Program (MDP) continued activities organized by joint efforts among departments. to be offered for executives. In 2010, the program was improved, and many courses were provided at all times Employee Development for the Bank’s executives. KASIKORNBANKGROUP places considerable emphasis on • E-Learning courses were developed and improved to suit personnel development. Thus, various learning courses have been the current situation. In addition, staff can access the organized for employees to enhance their knowledge, ability e-Learning system anywhere and anytime via the Internet.

The number of learning courses and employees attending them in 2010 were as listed below:

Learning Courses in 2010 Number of Topics Number of Classes Number of Employees Attending In-house learning courses 257 833 40,452 Outside learning courses 408 N/A 1,161 e-Learning 142 N/A 22,523 Total 807 833 64,136 Remarks: Each employee was allowed to attend several learning courses during the year. e-Learning is a self-study program, so its number of classes cannot be counted. Corporate Social Responsibility (CSR) Activities 221

• KGroup has created knowledge management activities for the purpose of exchanging, sharing and compiling knowledge within the organization. This will help enhance KGroup knowledge base, which in turn will help improve staff knowledge and competency. Society KASIKORNBANKGROUP has cooperated with both public and private agencies in initiating and organizing activities for social contribution and all stakeholders, such as provision of support for education, arts and culture, sports, religion, public health, disaster relief, development for education or quality of life and development of communities, youth and the underprivileged of society. These activities included: KGroup commemorates the 100th year following the death of His Majesty King Chulalongkorn with the “Thee Siamese Lord” project KGroup commemorated the 100th year since the passing of His Majesty King Chulalongkorn with the “Thee Siamese Lord” Her Royal Highness Princess Maha Chakri Sirindhorn graciously project, producing a book and DVD set of the TV documentary- presided over the 7th Sino-Thai Seminar entitled “Going Green Concept cum-drama program about the history of Thailand’s beloved in Rural Areas” king. The book and DVD set are available at all KBank branches for the price of Baht 1,005. All proceeds from sales have been donated to the Thai Red Cross Society. The TV program aired on the Thai Public Broadcasting Service (ThaiPBS) station The 7th Sino-Thai Forum project, “Going Green Concept every Monday to Wednesday at 8:20 p.m., from October 6, in Rural Areas” in the month of the 100th anniversary of the King’s passing, until Her Royal Highness Princess Maha Chakri Sirindhorn, November 16, 2010, which was declared as the King’s second on March 1, 2010, presided over the 7th Sino-Thai Forum coronation day in 1873. project entitled “Going Green Concept in Rural Areas” and gave a lecture entitled “Experiences regarding Green Development in Rural Areas”. The Office of H.R.H. Princess Maha Chakri Sirindhorn’s Projects and Ministry of Environmental Protection held the joint forum at KASIKORNBANK’s Head Office, Rat Burana. The forum was part of the attempt to promote alternative energy and environmental preservation that can be applied from the seminar to implement in individual projects for sustainable development in the future. Additionally, the forum will strengthen relationships of Thailand and China. KASIKORNBANKGROUP was the sponsor and organizer KGroup produced “Thee Siamese Lord” book and DVD set as of the seminar. The event attracted over 500 Chinese a commemoration of the Centenary of the Demise of the passing of and Thai participants. His Majesty King Chulalongkorn (Rama V) 222 Annual Report 2010

KGroup staff participated in “KASIKORN staff joined to Clean Chao Phraya KGroup donated a sum of Baht 5 million for the restoration of the River” project using Effective Microorganisms (EM) for treating polluted flood-damaged schools water at Bang Namphueng Canal also offered a three-year credit limit for business rehabilitation. “Green at Heart” Project Donation to aid flood victims: KASIKORNBANK donated via To commemorate KASIKORNBANK’s 65th anniversary on the deposit account of the Friends in Need (of “PA”) Volunteers June 8, 2010, KASIKORNBANKGROUP organized the “Green at Foundation, Thai Red Cross Society. K-Credit Card holders can use Heart” project, offering a “Green at Heart” bag for all employees, units of reward points to exchange for a donation to flood relief efforts. as well as good activities allowing them to participate in environmental As customers donate Baht 100 to the Thai Red Cross Society, preservation for sustainability, including the “1 Person, 1 Idea Worth the Bank will add another Baht 20 for a combined total of Baht 120. 8 Baht for Green Society” project. The proceeds from the project Assistance for flood-damaged schools: KGroup, in cooperation were used for the construction of 4 wastewater treatment ponds with the Office of the Basic Education Commission, donated to be delivered to Bang Namphueng sub-district administrative Baht 5 million for the rehabilitation of 100 schools for purchase organization, Samut Prakan, under the “KASIKORN Staff Joins to and repair of educational equipment to help them return to Clean Chao Phraya River” project on July 10, 2010. The employees their normal course of education. also had a chance to learn about the production of Effective Rice donation for flood victims: As a relief measure for people Microorganisms (EM) which was poured into Bang Namphueng in the flood-damaged areas all over the country, KGroup provided Canal to improve the water quality, as well as walking and 30,000 bags of 5-percent broken rice, one kilogram each, to the paddling a boat to collect garbage in the canal. The activities general public and school lunch programs in flood-hit areas brought about a cleaner environment, smiles, laughter, and including Phra Nakhon Si Ayutthaya, Nakhon Sawan, Lop Buri, Nakhon friendship from participation in doing good things. Ratchasima, Surat Thani, Nakhon Si Thammarat, and Songkhla. K Excellence drinking water donation: KGroup has provided Donations to aid flood victims 21,200 dozens of drinking water bottles, 13,700 of which were At the end of 2010, several areas in many provinces had provided via Bank branches and 7,500 via 9 private organiza- been hit by floods, causing damage and suffering all over the tions and companies. country. KGroup has offered diverse flood relief efforts for Assistance for KGroup staff affected by the floods: KGroup customers and people who suffered from the flooding, as follows: has provided consumer necessities for employees affected by Measures to aid customers hit by the floods: Measures the floods as well as accommodation in case they could not stay include up to 40 percent of K-Home Loan installment reduction in their homes. Additionally, KBank provided loan welfare for and an additional credit limit for repairs to their flood-damaged flood relief (temporary) to aid staff members hit by the flooding homes, a waiver of late payment penalties during the flooding for repairs to their current residences, which may be their own or emergency for K-Credit Card holders, and an extension of parents’ or spouse’s. The loan can be used for purchase or repair a three-month grace period for SME customers with an additional of furniture and necessities damaged by the floods, with an interest three-month extension in case the crisis is prolonged. KGroup rate of zero percent and up to Baht 100,000 credit limit. Corporate Social Responsibility (CSR) Activities 223

KGroup organized “The First Youth Camp Tour” to give children in remote KGroup provided financial support for project on volunteer camps for areas the opportunity to develop their skill in sports, arts and music rural development in diverse educational institutions

KBank Club’s Sports, Art and Music Camp for Support for Project on Volunteer Camps for Rural Underprivileged Youth Program Development KGroup and the KASIKORN Foundation displayed their KGroup has a policy of encouraging students to voluntarily concerns and care for underprivileged children. Activities of take part in rural development activities to help them learn by learning and skill development related to sports, music and arts experience, providing them with a broader perspective on rural have been organized every year since 1994 at the KBank Club Thai society. The activities include projects using their with participation of the youth from the foundation and diverse knowledge for local development in cooperation with villagers. shelters. In 2010, KGroup organized 8 classes of the training This is aimed at enhancing students’ knowledge, experience program with more than 1,100 participants, and also opened and skill to make contributions to the nation after graduation. “The First Youth Camp Tour” to follow its intention to give KGroup has consistently supported students in diverse children in remote areas the opportunity to develop their skill educational institutions with volunteer camp projects for rural in sports, arts and music. A team of lecturers in diverse fields development, which has also trained students in community was invited to provide inspiration for underprivileged children and society assistance, joint rural development and teamwork. in 8 provinces, namely Buriram, Prachuap Khiri Khan, In 2010, KGroup set aside Baht 745,500 in budget to support Chaiyaphum, Surat Thani, Lop Buri, Nan, Kanchanaburi and projects related to various educational institutions’ student Chiang Mai. Staff members of KGroup from central and volunteer camps for rural development. provincial areas as well as the local general public participated in the activities. Charitable Activities for Eyes Additionally, KGroup has donated used computers and KASIKORNBANK, in cooperation with members of the related IT equipment which is still in good condition to schools Northeastern Businessmen Club, organized the CSR concert in particular remote areas. In 2010, KGroup donated a total of “We CARE 4 Eyes” in Udon Thani on February 27, 2010. 219 computers to schools and more than 50 items of medical All proceeds were given to the Thai Red Cross Society. products for children to representatives from the Royal Thai Another CSR activity for eyes which has been organized Army to provide assistance for ailing youths in the three for four consecutive years is a merit-making activity to donate to southernmost provinces. the Cataract Surgery Project under the Princess Mother’s Medical Volunteer Foundation. In 2010, the Bank acted as a public relations intermediary for members making such a merit. 224 Annual Report 2010

the first reforestation that was not only hoped to preserve and rehabilitate more than 18 rai of forest, but also place importance on every step taken by leaving the smallest trace on the environment, with a Carbon Footprint calculation for the whole trip. KGroup’s Kathin Robe Presentation KGroup organized a Kathin Robe Presentation Ceremony for 2010 at Wat Rat Burana, Rat Burana District, Bangkok, on November 6, 2010, which was presided over by Financial contribution to the Cataract Surgery Project Mr. Banyong Lamsam, Chairman, KASIKORNBANK. under the Princess Mother’s Medical Volunteer Foundation Also participating in the ceremony were KGroup executives and employees, and the general public. KGroup set aside On December 8, 2010, the club representatives donated a sum of Baht 6,000,000 in donations for construction of Baht 318,600 for the cataract surgery project, received by a new environmentally-friendly crematorium and temple the Secretary-General of the Princess Mother’s Medical maintenance, and Baht 4,000,000 for charitable activities to Volunteer Foundation at the PMMV’s office. 14 organizations and public agencies. Partnership in organizing a “Mangrove Reforestation Project” activity with CSR Club KASIKORNBANK as a member of the CSR Club, a CSR network of listed companies supported by the Thai Listed Companies Association, Office of the Securities and Exchange Commission (SEC), and the Stock Exchange of Thailand (SET), has participated in the “Mangrove Reforestation Project”, part of the Reforestation Project to Honor His Majesty the King under the sustainable development of the “Zero Waste Trip” path. KGroup has participated in reforesting more than 18 rai The Chairman presided over Kathin Robe Presentation Ceremony in Phang Rat Sub-district, , Rayong. This was for 2010 at Wat Rat Burana KGroup Scholarship KGroup has believed all along that education is a key foundation for the country’s development. As part of KGroup ef- forts to promote education, KGroup consistently provides schol- arships to support education, research or student thesis writing. In 2010, six scholarships were granted for graduate study at Chulalongkorn University worth Baht 15,000 each, totaling Baht 90,000; one scholarship worth Baht 223,000 for graduate study at the Faculty of Economics, Thammasat University; and two scholarships worth a total of Baht 1,000,000 for KGroup’s “Mangrove Reforestation” project in undergraduate students of the Faculty of Communication Arts Corporate Social Responsibility (CSR) Activities 225

at Huachiew Chalermprakiet University. KGroup also donated Exemplary Organization a sum of Baht 2,400,000 to support the Chinese and Japanese KGroup is renowned for its exemplary success in Language Training Project of the Faculty of Arts, Chulalongkorn organizational management in the financial business. Public and University. private organizations, plus domestic and foreign educational Additionally, KGroup has provided scholarships to the general institutes have visited KGroup for presentations on organizational public and KGroup employees for domestic and international management, which has been widely accepted as an graduate studies every year for 45 years, since 1966. achievement of the organization in resources management, economy and finance management, banking services and good National Children’s Day 2010 Celebration corporate governance. It is the organization’s pride to provide KGroup organized National Children’s Day 2010 celebrations financial knowledge and professional expertise from its business at Pod Duang Plaza, Phahon Yothin Main Branch Building. experience of more than 60 years for the development of their 254 children from the Suan Plu community (117 boys organizations and society at large. Also, this becomes and 137 girls), and children living nearby, took part in the an inspiration for the youth and students especially those who activities. There were also stage performances including visited and attended lectures at KGroup. They are impressed a likay dance performance by Wat Sra Kaeo orphans, the KBand. and receive moral support their subsequent visit at leading There were also 4 game booths, slides, inflatable bounce houses, organization like KGroup. and painting activities. Lunch and toys as souvenirs were provided to all children. Additionally, notebooks, stationery Plans for CSR Activities in the Future sets, and National Children’s Day activities were offered to KGroup continues to strive to be an organization that diverse schools, youth centers, and state agencies. operates under the Statement of Corporate Governance Principles along with ultimate social responsibility through the combination of CSR policies with KGroup’s strategies. For instance developing Innovations for environmental preservation in consistent with business undertaking procedures. KGroup has supported activities for further development of youth and promotion of education, community development, society and environmental quality for all stakeholders, so as to achieve its business growth along with the nation’s stable and sustainable development.

KGroup organized activities to celebrate National Children’s Day 2010 at Pod Duang Plaza, Phahon Yothin Building