the use of cryptographic controls and key management for protection of sensitive and critical information; (3) policy on the transfer of information within organization’s networks and with external
to slow due to a Thai economic recovery that is forecast to remain weak, and heightened internal and external risks. We are therefore closely monitoring and analyzing related developments. Subject to
business operations of its particular bank and its financial conglomerate, transaction volume and related risks and must be reviewed at least once a year and upon any significant change. In addition, close
( “ the Company” ) would like to submit our management’s discussion and analysis for the fiscal year ended December 31, 2019, as follows: For the year ended December 31 Change 2019 2018 MB MB % Sales
data, particularly those from outside the company. In addition, any forward looking statements are subject to change as market conditions and actual outcomes may differ from forecasts. BAM makes no
have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most
from sale. Besides, other income also increased from the revenue of by products, waste and material Information of the 2nd Quarter Consolidated Separate 3 months Change 3 months Change 2017 2016 Amount
decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles