records or existing low-risk customers, while giving greater weight to digital lending. 2.2 Market Risk Management Overall, movements in foreign exchange saw the Thai Baht strengthen in the second quarter

mainly on borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Overall, movements in foreign exchange and interest rates at home and abroad remained

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records or existing low-risk customers, while giving greater weight to digital lending. 2.2 Market Risk

means short-term investments with high liquidity ready to be converted into definite amounts of cash, and low risk of value changing or pertaining insignificant value changing, most of which are bills or

high liquidity ready to be converted into definite amounts of cash, and low risk of value changing or pertaining insignificant value changing, most of which are bills or promissory notes issued, accepted

short-term investments with high liquidity ready to be converted into definite amounts of cash, and low risk of value changing or pertaining insignificant value changing, most of which are bills or

’ loans, and focused mainly on borrowers with good track records, and existing low-risk customers. 2.2 Market Risk Management During this quarter, the Thai and US interest rates moved in accordance with the

borrowers with good track records, as well as existing low-risk customers. Early warning signs were also developed with the use of transactional data for enhanced efficiency in risk monitoring and portfolio

low-risk customers. Regarding home loan, we will revise our credit policy to be consistent with the Bank of Thailand’s macroprudential measure to be implemented to preclude speculation in the real

risk assessment through prudent screening and close monitoring of borrowers. At the same time, KBank has focused mainly on borrowers with good track records, as well as existing low-risk customers