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

” concept. Moreover, under the “Segment of One” concept, we focus on strengthening our capabilities by using data and advanced technology to understand and anticipate each individual customer’s need and

) “ ” “ 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

use as working capital. These loans comprising with factoring loans and promissory notes that the Group has credit facilities from two commercial banks. Increasing of Baht 36.13 million, compared 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

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

$ @( ก$ A-$ .' /* .' / % NAV ก$-$ , 38.00 @ #> , 19.00 18.00 10.00 ก$ @( ก$ A3 ก- $$ 5 (87 ก* 3 ก- $$ Credit rating % NAV Qatar National Bank (QNB) A (FITCH) 19.00 Commercial Bank of Qatar (CBQ) A

$ @( ก$ A-$ .' /* .' / % NAV ก$-$ , 38.00 #> , $''L * 19.00 19.00 14.00 ก$ @( ก$ A3 ก- $$ 5 (87 ก* 3 ก- $$ Credit rating % NAV Qatar National Bank (QNB) A (FITCH) 19.00 Doha Bank (DOHA) A- (FITCH