launch of ?The Pride in Thai Innovative and Creative Businesses? Project, aiming to promote raising fund through capital market for innovative and creative businesses. The application period will last

Type of securities : Common share | Effective Date : 19/01/2024 | Close Selling Date : 02/02/2024

ประเภทหลักทรัพย์ : หุ้นสามัญ | วันที่มีผลใช้บังคับ : 19/01/2567 | วันที่ปิดการขาย : 02/02/2567

Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk Management 11  Market Risk Management 15  Liquidity Risk Management 17  Operational Risk Management 18

Outlook for 2018 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Regulatory Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

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

Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 6 2.1 Credit Risk Management 6 2.2 Market Risk Management 6 2.3 Liquidity Risk Management 7 2.4 Other Risks Management

) “ ” “ derivatives” 1. derivatives 2. derivatives “ CIS” 1. 2. CIS “ ” 270 “B/E” (Bill of Exchange) “benchmark” “CIS operator” 1. . 2. CIS “concentration limit” “counterparty limit” “CRA” (Credit Rating Agency) 5 5

Fund (“กองทุนหลัก”) หลักมีกลยุทธ์การลงทุนในตราสารทุนทั่ว โลกที่เกี่ยวกับบริษัทในอุตสาหกรรมการดูแลสุขภาพ (Healthcare Industry) และบริษัทในอุตสาหกรรมการดูแลสุขภาพที่เป็น นวัตกรรมในด้านต่าง ๆ (Innovative