Strong franchise as the second-largest commercial bank in Thailand Expected government support due to bank's systemic importance Moderate capitalization Evolving risk management practices Standard&Poor's Ratings Services bases its rating on Krung Thai Bank Public Co. Ltd. (KTB) on the bank's "adequate" business position, "moderate" capital and earnings, "adequate" risk position, "average" funding, "adequate" liquidity, and expectations of extraordinary government support, as defined under our criteria. The stand-alone credit profile (SACP) is 'bb+'. Our bank criteria use the Banking Industry Country Risk Assessment (BICRA) economic risk and industry risk scores to determine a bank's anchor, the starting point in assigning an issuer credit rating (ICR). The anchor for a bank operating only in Thailand is 'bbb-'. The BICRA score
