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

) “ ” “ 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

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

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

)+* "C)%%GHbก$ *")$B$. • b +$$ G$%% B 0%0"$ 6 "* +* ก$ " $ .. $ A ). +* 7ก$ 7 A$ก CAC ก$ A* ก$ B.$ 0" 8* 0" 8 % NAV + ก$ B.$ 0" 8 ก$ A* ก$ Bb ก. $$ 5 *76 ก* b ก. $$ Credit rating % NAV D7$+ % AAA