region with foreign investment funds as well as using mutual funds to help solve a lack of savings. Vorapol Socatiyanurak, SEC Secretary-General revealed after the last quarterly meeting of 2014 with the

capital market regulatory agencies across the Asia-Pacific region. The event, held on 23-24 June 2025 in Bangkok, fostered an exchange of knowledge and experience in supervising securities, derivatives

The SEC is hosting the Asia Pacific Takeovers Regulators Conference 2019, an annual platform for expanding cooperative network within the region and sharing views on regulatory frameworks and

due to the recognition of special profits, while loan growth and credit quality were affected by the economic slowdown. The combined net profit of the commercial banking system was Baht 270.9 billion, a

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

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

Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 6 2.1 Credit Risk Management 6 2.2 Market Risk Management 6 2.3 Liquidity Risk Management 7 2.4 Other Risks Management

down last year. In Q1/2019, the Company shut down in February and March during waiting for signing new credit agreement in April and subsidiary shut down in February due to the damage of the important

region, lower central region and southern region. Total project value is Baht 693 million. When considering proportion of investment will have more Baht 225.34 million. Total investment value is Baht

Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 12  Credit Risk Management 12  Market Risk Management 15  Liquidity Risk Management 16  Operational Risk