ensure effective risk management and consistency of relevant credit processes, thus allowing KBank to deliver a good customer experience.  Revise customer screening criteria on a regular basis to reflect

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

IRSL are: (i) Mr. Om Prakash Lohia and his immediate family holding in aggregate of approximately 36.32% (or approximately 22.39% of the enlarged share capital on a dilution basis) and (ii) Brookgrange

ability to service the debt obligations. 2. Disclosure of compensation a. Issuer’s directors are on an individual basis; and b. Issuer’s senior managements are on lump sum basis. C. Share Ownership Provide

good customer experience and appropriately creating balance between credit risk management and process efficiency. 12  Customer screening criteria have been revised on a regular basis to reflect

2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance

principle amount/ par value per unit/offering price per unit etc. Credit Rating………………………………………………………………….. Financial Adviser……………………………..……………………….…….. Underwriter……………………….…………………………..……….……… Representative

In this Notification: The terms “credit rating”, “bill”, “short-term bill”, “registration statement”, “listed company”, “parent company”, “subsidiary”, “executive”, “controlling person”, “high net

ratio in this quarter stood at 49.31 percent. KBank also set aside a higher expected credit loss of Baht 3,047 million compared to the preceding quarter, with prudent consideration of factors in line with

Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk Management 7 2.3 Liquidity Risk Management 8 2.4 Cyber Risk Management 8 3. Business Directions and Operations of Core Businesses 9