variance (million Baht) 927.29 (9.78) 917.51 1.88 919.39 The difference of rates revenue (%) 16.85 (100.00) 16.64 37.92 16.66 Sales cost variance (million Baht) 1,004.62 (17.44) 987.18 0.00 987.18 The rate

under Clause 13/2; (b) restriction of borrowing proportion, regardless of any means, not exceeding the rates as prescribed in Clause 14; (c) restriction of incurring encumbrances only for the cases as

. Moreover, external factors, including increased inflation rates, increased interest rates, and political uncertainties, further impacted consumer purchasing power. This, in turn, contributed to a decline in

, the European Central Bank and the Bank of Japan may continue their monetary-easing stance. Likewise, many central banks in Asia may cut their policy rates to support their economic recovery. For

act as intermediary for the debt securities in secondary market trading, such as market maker providing liquidity through bid and offer rates, disclose the name and address of the entity and the main

and interest rates which are in line with customers’ acceptable risk appetite. Banks are also allowed to use other qualitative and quantitative factors which reflect customers’ potential and ability to

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

mainly on borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Overall, movements in foreign exchange and interest rates at home and abroad remained

rates required by law* 6.375 5.750 The Difference 10.756 12.923 Tier 1 capital funds The Bank 34,344.2 17.131 34,101.4 18.673 Minimum rates required by law* 7.875 7.250 The Difference 9.256 11.423 Total

As of 31 December 2018 Million Baht % Million Baht % Common Equity Tier 1 capital Bank 34,578.3 16.480 34,344.2 17.131 Minimum and additional rates required by law* 7.000 6.375 Difference 9.480 10.756