% for total capital ratio, 8.5% for Tier 1 capital and 7.0% for Common Equity Tier 1 capital. The Bank performs capital management planning to maintain an appropriate level of capital which is consistent

with some risks. Nevertheless, strengthening the domestic economy requires a long-term strategy to solve the country’s structural problems and promote a more even distribution of economic prosperity to

requirement and additional capital conservation buffer) of 11% for total capital ratio, 8.5% for Tier 1 capital and 7.0% for Common Equity Tier 1 capital. The Bank performs capital management planning to

the credit risk has increased significantly (Stage 2 Reserve) can be counted as Tier 2 Capital, while only reserve of pass class loans (Class 1 Reserve) is counted as Tier 2 under previous regulation

credit risk has increased significantly (Stage 2 Reserve) can be counted as Tier 2 Capital, while only reserve of pass class loans (Class 1 Reserve) is counted as Tier 2 under previous regulation. Although

16.21% while Tier-1 ratio was at 12.42%. 10 When including profit up to end of 1Q19, the BIS ratio will increase to 17.81% while Tier-1 ratio will be 14.01%. Business Segment Performance The Kiatnakin

Baht 1,400 million are subordinated debentures classified as Tier 2 capital. Loan to deposits and borrowings ratio stood at 100.0%, comparing to 101.8% at the end of 2017. 11 LIABILITIES CONSOLIDATED

classified as Tier 2 capital. Loan to deposits and borrowings ratio stood at 100.0%, comparing to 101.8% at the end of 2017. 11 LIABILITIES CONSOLIDATED Change (BAHT'000) Jun 30, 2018 Dec 31, 2017 Amount

requirement. As evidenced, the B Conglomerate’s capital adequacy ratio (CAR) according to the Basel III Accord was 18.23 percent, with a Tier 1 capital ratio of 15.91 percent. All of the above endeavors and

capital position was robust. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.12 percent, with a Tier 1 capital