the financing cost of the Lender. Therefore, it is reasonable to increase the efficiency of capital management and reduce financial costs; including the risk of non- payment according to the transaction

management” means a deputy manager, an assistant manager, a division director, a branch manager, and any persons holding equivalent position called otherwise and such person shall be responsible for services

assistant manager, a division director, a branch manager, and any persons holding equivalent position called otherwise and such person shall be responsible for services relating to derivatives contract

with power of management” means a deputy manager, an assistant manager, a division director, a branch manager, and any persons holding equivalent position called otherwise and such person shall be

management under the supervision of the Enterprise Risk Management Division, Credit Risk Management Sub-committee and Risk Management Committee, to maintain risks within KBank’s risk appetite. . Market Risk

efficient risk management under the supervision of the Risk Oversight Committee, Market Risk Management Sub-committee and Enterprise Risk Management Division, to maintain risks within prudent limits. 2.3

and Enterprise Risk Management Division, to maintain risks within prudent limits. 2.3 Liquidity Risk Management Overall liquidity in the Thai banking system in this quarter slightly tightened from

possible impacts, placing importance on efficient risk management under the supervision of the Enterprise Risk Management Division, Market Risk Management Sub-committee and Risk Management Committee, to

million Baht. This comprised of financing costs of 976 million Baht and capitalized interest of 482 million Baht. The rise in the costs was due to increased loans funding the construction of “MahaSamutr

Flow spent for financing activities of THB 20 million , which was from long-term loan interest payment. Key Financial Ratios Exhibit 9 : Key Financial Ratio comparison of 1Q2018 vs. 1Q2017 vs. 4Q2017