) contains a salient point on amendment to the Bank of Thailand’s limited authority under Financial Institution Business Act B.E. 2551 (2008) to ensure enhanced efficiency in supervising specialized financial

has been overseen by Credit Risk Management Sub-committee and Credit Process Management Sub-committee to ensure efficiency and effectiveness in all relevant processes, thus allowing KBank to deliver a

abet the others in connection with such behavior. Part 2 Effectiveness of the Possession of Prohibited Characteristics __________________ Clause 7. In cases where the applicant for approval of capital

% 10.44 % 12.66 % EFFICIENCY RATIO Return on Assets 6.34 % 6.36 % 7.63 % 8.94 % Return on Fixed Assets 42.98 % 42.63 % 48.95 % 54.94 % Assets Turnover 1.24 Times 1.27 Times 1.34 Times 1.37 Times FINANCIAL

Translation (Unofficial Translation) PAGE (Unofficial Translation) Page 32 of 32 Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. The SEC, Thailand cannot undertake any responsibility for its accuracy, nor be held liable for any loss or damages arising from or related to its use. ---------------------- Notification of the Office of the Securities and Exchange Commission No. OrKhor./Nor. 5/2549 Re: Guidelines Rel...

market) refers to the investment in accordance with the market where the investors believe in the efficiency of the market. As a result, market price is deemed appropriate. Page 8 of 32 (Unofficial

support business continuity with suitability, reliability and effectiveness in order that the intermediaries are able to service with the best interest of customers and that the intermediary’s personnel are

continuity with suitability, reliability and effectiveness in order that the intermediaries are able to service with the best interest of customers and that the intermediary’s personnel are able to work

detailed information relating to the issuing company of the securities and the conditions of securities, including the suitability for investment and the relevant risk exposure. The effectiveness of this

institution’s clients. However, the securities company must, in case of cross-border omnibus accounts, assess the adequacy and effectiveness of the financial institutions’ KYC/CDD measures and controls prior to