A-1 CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING AGENCIES THE BOARD OF THE INTERNATIONAL ORGANIZATION OF SECURITIES COMMISSIONS REVISED MARCH 2015 A-2 CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING

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

organizations under this category. (3) Regulated Payment Services such as debit cards, credit cards, ATM cards, electronic funds transfers currently used by commercial banks and non-bank operators. As a payment

Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk Management 7 2.3 Liquidity Risk Management 8 2.4 Cyber Risk Management 8 3. Business Directions and Operations of Core Businesses 9

Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 12  Credit Risk Management 12  Market Risk Management 15  Liquidity Risk Management 16  Operational Risk

บนัจดัอนัดบัความน่าเช่ือถือท่ีไดรั้บความเห็นชอบตามหมวดน้ี ตอ้งด าเนินการให้เป็นไปตามหลกัปฏิบติัในการประกอบธุรกิจการจดัอนัดบัความน่าเช่ือถือ (Code of Conduct Fundamentals for Credit Rating Agencies) ท่ีก า

numbers, total adjustment amount, without double counted debit and credit sides, is 1.08 hundred billion THB. The amount for Singapore study without double counted debit and credit sides is 3.96 hundred

payment with credit and debit cards online, and provided a security system to assure merchants of easy, convenient and complete processes to accommodate customer business operations. - K-Contact Center: We

transactions via all digital banking channels. 3) K-Payment Gateway: We enhanced service efficiency for bill payment with credit and debit cards online, and provided a security system to assure merchants of easy

Credit Rating Agencies Approved to Issue Credit Rating for Instruments Subject to Rules Concerning Issuance and Offer for Sale and Investment of Funds