/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

this information memorandum is true, accurate as well as prudent and depending on maximizing of shareholder interest. In addition, the proposed of this information memorandum is for providing information

information useful for making prudent decision before using investment services, the SEC has prepared a list of unlicensed or unregistered business from the traces and complaints received from investors and

while other non-interest income declined yoy. Overall operating expenses also declined from effective cost management when comparing to the same period last year. The Bank continued to remain prudent when

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

prudent measure in provisioning for 5 additional impairment on revaluation of foreclosed. After assessing the continued uncertainties from the current situation, the Bank also prudently set up additional

as commercial banks are expected to maintain a cautious stance in their business operations, especially through a proactive approach in asset quality management. Over the short term, however, they may

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