percent, remaining sufficient to cushion against risk, and greater than the Bank of Thailand’s requirements of 11.50 percent and 9.00 percent, respectively. All of the above endeavors and satisfactory

are sufficient and correct before forwarding them to the Board of Directors for consideration. - Review the internal control system to oversee that the internal audit procedures are adequate

whether the code of conduct is complied: 1.3.1 Monitoring and assessment by an internal audit unit or a compliance unit; 1.3.2 Self -assessment by executives and employees; 1.3.3 Assessment by independent

professional training courses on a continuing basis, as stated in the SEC-approved curriculum of the Valuer Association of Thailand, to ensure sufficient self-development and knowledge improvement

"%)K$/"(*Z %!*.#$KL bK$!#()* SET . '$".',' %. )Ò)' (market-driven organization)O* L '7 (demutualization) *#&%&")#!)'4 2` %&- ! 8 #-% '7%"*&%!%')72 /%/2#) SET &") (necessary but not sufficient

accessibility to the capital market, including small and medium-sized enterprises (SMEs), to be at the standard level and self-reliance by utilizing various forms of accessibility to create ultimate efficiency

marginally from the previous quarter to 40.70 percent, it was better than the target. Meanwhile, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s

KASIKORNBANK FINANCIAL CONGLOMERATE according to the Basel III Accord B was 18.53 percent, with a Tier 1 capital ratio of 15.17 percent, remaining sufficient to cushion against risk in times of crisis, and

the target. In this quarter, our impairment loss on loans and debt securities increased slightly from the prior quarter. At the same time, our robust capital position was sufficient to cushion against

circumstances. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK