exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential
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
addition, they have to maintain prudent credit underwriting policy and be prepared for regulatory changes regarding the Basel III capital requirements and the International Financial Reporting Standards
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
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
Division, Market Risk Management Sub-committee and Risk Management Committee, to maintain risks within prudent limits. 2.3 Liquidity Risk Management Overall liquidity in the Thai banking system was stable in
Company Limited --> MTC 3. Character of Transaction : KYE entered into the Thai Baht Pooling Service Agreement with MTC Whereby MTC : Agree to provide management service relating to Thai Baht current
/or Audit Committee which is different opinion from the Board of directors None The Company certifies that all information contained in this information memorandum is true, accurate as well as prudent