segment while maintaining an effective risk management and credit monitoring and control. For Private Banking, the goal is to grow the business by capitalizing on capital market group’s expertise in the

segment, the goals will be on building efficiencies, creating standards, identifying new alternative channels to reach targeted client segment while maintaining an effective risk management and credit

upstream businesses to capture cost advantages. IVL today has a unique portfolio comprised of High Value Add (HVA) and Commodity products. The HVA segment makes up ~40% of IVL’s EBITDA, which over the long

265 46.8% 23.4% 27.1% Office and Other 55 81 47.3% 7.1% 8.3% Digital Services 106 83 -21.7% 13.7% 8.5% Total revenue 772 978 26.8% 100.0% 100.0% The OOH media segment recorded broad revenue growth

% 7.8% 8.6% Digital Services 97 80 -17.2% 11.4% 7.5% Total revenue 852 1,077 26.5% 100.0% 100.0% The OOH media segment recorded broad revenue growth across all product groups. 1Q 2018/19’s revenue in OOH

Management (VBM): KBank has continued to apply VBM concept to risk management at both Bank-wide and segment/product level while setting the direction of credit portfolio and business targets at customer and

0.4% 374 0.7% 211 0.4% Total Sales Revenues 51,172 100.0% 53,067 100.0% 49,224 100.0% Note  Power electronics segment is a business segment which designs, manufactures, and sales of power supplies

. In 2017, KBank concentrated on balancing between services and credit risk management within each customer segment. As the Thai economic recovery was not yet broad-based, we put in place more stringent

A-1 CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING AGENCIES THE BOARD OF THE INTERNATIONAL ORGANIZATION OF SECURITIES COMMISSIONS REVISED MARCH 2015 A-2 CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING

) Investment Banking. For Credit Business which will focus on loan expansions to retail and Small and Medium Enterprise segment, the goals will be on building efficiencies, creating standards, identifying new