recommended to deal with the said insufficiency;   (4) Monitoring (MR): Some audit firms were found having insufficient monitoring and without action plans to monitor deficiency remediation. In this regard

importance of strengthening capital to be in accordance with the Basel regulatory reforms. Close monitoring and consideration of the relevant criteria and impacts have been jointly undertaken with the Bank of

supervision in segments other than car title loan. KBank has improved policies, processes, and operational systems to accommodate and comply with relevant regulations, as well as will closely monitoring on new

each area. We continued to prioritize risk assessment through prudent screening and close monitoring of borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track

on Financial Data Connectivity for Enhancing the Monitoring of Suspicious Financial Transactions held in January 2026, which resolved that the SEC, in collaboration with the Anti‑Money Laundering

criteria for commercial lending policies, prioritizing risk assessment through prudent screening and close monitoring of borrowers, especially those in small and micro businesses. Moreover, we adjusted

-Translation- 1 -Translation- Ref. NCH 024/2020 May 11, 2020 Subject : Management’s Discussion and Analysis 1Q/2020 Attention : Director and Manager The Stock Exchange of Thailand N.C. Housing Plc

housing for sale and for both https://market.sec.or.th/public/idisc/Download?FILEID=dat/news/201804/18033701.pdf 18002674.pdf vertical real estate developments which are industrial and commercial real

and commercial real estate for sale and for both short-term and long-term rental. It also includes industrial estate and housing for sale and for both https://market.sec.or.th/public/idisc/Download

stringent customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. We continued to prioritize risk assessment through prudent screening and close monitoring of