Type of securities : Common share | Effective Date : 19/01/2024 | Close Selling Date : 02/02/2024

ประเภทหลักทรัพย์ : หุ้นสามัญ | วันที่มีผลใช้บังคับ : 19/01/2567 | วันที่ปิดการขาย : 02/02/2567

Bangkok Commercial Asset Management Public Company Limited 1.4 Company’s credit rating On February 17, 2020, TRIS Rating Co., Ltd. rated the company for the first time on the Standalone basis at “A-” with a

customers in Bangkok. 1.4 Company’s credit rating On February 17, 2020, TRIS Rating Co., Ltd. rated the company for the first time on the Standalone basis at “A-” with a “Stable outlook”. On February 19, 2020

management business should be considered together with the Cash collection, which is a key performance indicator. Please see further details in the section “4.3 Cash Collection Received from Our NPL and NPA

) “ ” “ derivatives” 1. derivatives 2. derivatives “ CIS” 1. 2. CIS “ ” 270 “B/E” (Bill of Exchange) “benchmark” “CIS operator” 1. . 2. CIS “concentration limit” “counterparty limit” “CRA” (Credit Rating Agency) 5 5

Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk Management 11  Market Risk Management 15  Liquidity Risk Management 17  Operational Risk Management 18

Outlook for 2018 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Regulatory Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk

Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 6 2.1 Credit Risk Management 6 2.2 Market Risk Management 6 2.3 Liquidity Risk Management 7 2.4 Other Risks Management

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