“Risk Factors” and separate different types of risk factors into different subsections. 3. In case of offering for sales of unusually risky debt securities, highlight the riskiness of securities on the

loans, which deem to be less risky than that of the unsecured personal loans or credit

competition in securing and getting NPLs/ NPAs as many players would likely shift their focus towards secured collateralized loans, which deem to be less risky than that of the unsecured personal loans or

skills involved. Combined with the fact that investing in individual stocks is risky while portfolio investing offers more stable returns through diversification, this challenge makes investment vehicles

Thailand’s macroprudential measures, will help reduce risky loans. Increasing bank reserves and relatively high levels of capital will continue to help banks to face challenges. Additionally, commercial banks

times the capital ratio provided by the Bank of Thailand Risky assets + X (X = Total value of the debt securities being offered for sale based on the risk weighted rate at 100%( 19 Clause 44 The approved

different types of risk factors into different subsections. 3. In case of offering for sales of unusually risky debt securities, highlight the riskiness of securities on the cover page. IV. MARKETS A

statement. 2. Provide the disclosure in a separate section titled “Risk Factors” and separate different types of risk factors into different subsections. 3. In case of offering for sales of unusually risky

being an important fund raising tool for businesses that would otherwise have to rely on a more expensive funding from the banking system, is also less risky than equity instrument and can also be a

reclassification of risky industries, and those industries under control. At the same time, KBank has remained cautious in credit underwriting of retail customers’ loans (consumer loans), and focused mainly on