, in consistence with the current market conditions. Moreover, as the SEC aims to enhance investors? knowledge and encourage them to make prudent investment decision based on proper information, the new
services via PromptPay for e-Money transactions are secure, accurate, trustworthy and in compliance with standards. For instance, registration must be prudent, with prerequisites in place including Know-Your
businesses. We also prioritize 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
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
/ Total loans (excluding interbank) 4.0 Total loan loss reserve/ Total NPLs (coverage ratio) 1 114.1 113.2 110.1 111.2 111.2 115.9 1 Excluding loans classified as Purchased or originated credit impaired
City was THB 692mn. Capital expenditure excludes the EBT of UE or investments or long-term loans to related parties, which is classified as an investment. CASH FLOW SIX-MONTHS CASH FLOW SNAPSHOT For the
expenditure for U City was THB 937mn. Capital expenditure excludes the EBT of UE or investments or long-term loans to related parties, which is classified as an investment. CASH FLOW NINE-MONTHS CASH FLOW
ratio in this quarter stood at 49.31 percent. KBank also set aside a higher expected credit loss of Baht 3,047 million compared to the preceding quarter, with prudent consideration of factors in line with
classified as D-SIBs. D-SIBs are required to maintain the additional CET1 of 1 percent of risk weighted assets and the ratio will be gradually phased-in 0.5 percent by January 1, 2019, and 1 percent by January
at 220.2 percent. The Bank continued to focus on loan quality through robust control over credit underwriting and risk management while maintaining the allowance for doubtful accounts at prudent level