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1 No. ACE-ACC-3/2024 13 August 2024 Subject Management Discussion and Analysis for the period ended 30 June 2024 To President The Stock Exchange of Thailand Absolute Clean Energy Public Company

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” section on KBank’s website. 9 Risk Management Structure1) 1) Data as of December 31, 2018 Key Developments to Strengthen Risk Management KBank places the great emphasis on effective and proactive risk

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asset quality management for its loan portfolio and focus on expanding into profitable segment with better asset quality taking into careful considerations the economic conditions. As such, the overall