, competition in the home loan market became more intense, which could potentially jeopardize the economic and financial system as a whole. Under these circumstances, KBank has closely monitored trade

-19 continuously. As for the operations side of the business, the situation is closely monitored and assessed to adjust its business plan accordingly, and complied the strict measures on cost reduction

lower than normal level. The Company has closely monitored the situation and has prepared approp riate measures for the drought situations. The effect of new accounting standards announcement (Effective

surpass the maturity date and being monitored by the bondholders’ representative; (2) in the case where the collateral is immovable property or 19 a long-term lease agreement, a valuation of such collateral

correction, systematically. Additional Guidelines 7. In complying with Clause 6 (5), the intermediary should ensure that the internal control system is monitored and evaluated and deviation of established

markets, KBank is closely monitoring the situation and assessing possible impacts. For instance, we have enhanced the frequency of impact assessment and continuously monitored the market situation to ensure

guard against any heightened liquidity risk stemming from volatility in the global economy. Closely monitored factors that could affect our liquidity and interest rate risks include:  Global and Thai

operating crowdfunding portals. The supervised areas include measures and implementation against conflicts of interest, member data storage, disclosure of issuer information, issuer compliance monitoring

regulatory and supervisory framework of the Thai capital market are enhanced to be among those of the leading countries. Under the PFMI assessment, the SEC has received fully observed in all supervisory areas

frauds and scams as well as money laundering schemes. The list of business operators not supervised by the SEC can be checked at the “investor alert” link https://market.sec.or.th/public/idisc/th