inflation risk is a key impact in raising cautious spending behavior and adversely influences low-mid income customers to turn to a cheaper package. AIS aims to lead with superior 5G user experience to
directions that focus on effective, timely and proactive integrated risk management (IRM), internal operation efficiency, maximized resource utilization, along with better IT systems, to ensure that we will
governance, appropriate risk management and effective cost management. At the same time, we have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai
customer expectations, consumer protection and customer privacy. Beyond these strategies, we focus on predictive risk management with the aim of maintaining KBank’s stability as a leading financial
clients. In addition, we remained cautious in credit underwriting of small and micro businesses, and focused mainly on existing customers with good track records or classified as low-risk customers. 2.2
unrated Credit rating International Credit Rating AA, A BBB BBB unrated 2. (Market Risk) 25% 3. (Exchange Rate Risk) 4. (High Issuer Concentration Risk) ≤10% 10-20 % 20-50 % 50-80
Credit rating International Credit Rating AA, A BBB BBB unrated 2. (Market Risk) 25% 3. (Exchange Rate Risk) 4. (High Issuer Concentration Risk) ≤10% 10-20 % 20-50 % 50-80 % >80% 5
Credit Rating AA, A BBB BBB unrated 2. (Market Risk) 25% 3. (Exchange Rate Risk) 4. (High Issuer Concentration Risk) ≤10% 10-20 % 20-50 % 50-80 % >80% 5. (High Sector Concentration
Intangible capital provided higher risk & return than ESG factor. 13 Return Risk 34.37% 23.22% 73.02% 35.45% 38.97% 84.74% 16.29%18.07% 6.93% 56.73% 19.15% 22.67% 68.44% High ESG High ICR (HH) High ESG Low ICR
volatility, effectively assume this risk. Structured securities are complex instruments, typically involve a high degree of risk and are intended for sale only to sophisticated investors who are capable of