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

rates required by law* 6.375 5.750 The Difference 10.756 12.923 Tier 1 capital funds The Bank 34,344.2 17.131 34,101.4 18.673 Minimum rates required by law* 7.875 7.250 The Difference 9.256 11.423 Total

As of 31 December 2018 Million Baht % Million Baht % Common Equity Tier 1 capital Bank 34,578.3 16.480 34,344.2 17.131 Minimum and additional rates required by law* 7.000 6.375 Difference 9.480 10.756

% Million Baht % Common Equity Tier-1 capital funds The Bank 17,110.6 10.277 16,557.5 10.195 Minimum rates required by law* 5.750 5.125 The Difference 4.527 5.070 Tier 1 capital funds The Bank 17,110.6 10.277

of tire-cords to the global tire industry which is growing at healthy rates.  Feedstock now contributes to around 50% of the earnings, making it the single largest segment, and provides IVL the

The ratio of capital fund to risk assets As of 30 June 2017 As of 31 December 2016 Million Baht % Million Baht % Common Equity Tier-1 capital funds The Bank 17,110.6 10.277 16,557.5 10.195 Minimum rates

% Million Baht % Common Equity Tier-1 capital funds The Bank 33,831.3 19.690 16,557.5 10.195 Minimum rates required by law* 5.750 5.125 The Difference 13.940 5.070 Tier 1 capital funds The Bank 33,831.3

next book value after reduction of the allowance for doubtful debit as shown on the balance sheet. 2. Risks on Interest Rates Risks on the chanage of interest may cause the damage on the Company in

10.195 Minimum rates required by law* 5.750 5.125 The Difference 13.940 5.070 Tier 1 capital funds The Bank 33,831.3 19.690 16,557.5 10.195 Minimum rates required by law* 7.250 6.625 The Difference 12.440

10.195 Minimum rates required by law* 5.750 5.125 The Difference 12.923 5.070 Tier 1 capital funds The Bank 34,101.4 18.673 16,557.5 10.195 Minimum rates required by law* 7.250 6.625 The Difference 11.423