factors and business models. The overall economic growth in 2018 is expected to be 4.5 percent, driven by both domestic and external demand. Nevertheless, the Thai economy continues to face downside risks

management. Furthermore, KBank enhanced processes and statistical models for stress testing in keeping with the changing economic conditions and risk trends. We also put in place guidelines for handling

required commercial banks in Thailand to rethink their business models to cope with challenges by focusing on expanding their customer base, improving efficiencies, reducing the cost of services, and

productivity of our businesses will remain entrenched in the IVL way of doing business. Reporting In order to support transition in capital market coverage and earnings models, IVL will continue to share

commercial banks adapting their business models, adjusting their physical branches both in terms of number and type of service, while developing their digital banking channels. In addition, banks have been

15, 2019, which stipulated that financial institutions can adopt technology or improve their systems or technology to accommodate their business models and in alignment with rapid technological change

and liquidity adequacy under normal and stress scenarios.  Enhancement of processes and econometric models for stress testing to improve efficiency in our risk and reserve management as well as to

(average current offer price) 2.4.2 ราคาทางทฤษฎี (theoretical price) ใหคํานวณโดยใช pricing models ภายใตเงื่อนไข ของตัวแปรทีส่ํานักงานยอมรับ 2.5 ทองคํา หมายถึง ทองคําแทงที่มีความบรสุิทธิ์ 96.5% ข้ึนไป ให

ถัวเฉลี่ย (average current bid price) กรณี short position ให้ใช้ราคาเสนอขาย ปัจจุบันถัวเฉลี่ย (average current offer price) 2.4.2 ราคาทางทฤษฎี (theoretical price) ให้คำนวณโดยใช้ pricing models ภายใต้

(average current bid price) กรณี short position ให้ใช้ราคาเสนอขายปัจจุบันถัวเฉลี่ย (average current offer price) 2.4.2 ราคาทางทฤษฎี (theoretical price) ให้คำนวณโดยใช้ pricing models ภายใต้เงื่อนไขของตัวแปร