of the decrease in outstanding balance of long-term loans from principal loan repayment. On the other hand, the finance costs increased by Baht 49 million or 65% from Q3/2017. This was mainly due to

, a CRA should inform the rated entity, or the obligor or arranger of the rated obligation about the critical information and principal considerations upon which a credit rating will be based prior to

concerning the legal relation of the unit holders shall be furnished with the following contents; (1) the status of a unit holder does not create a principal-agent relationship between the unit holders and the

relied upon as, a promise or representation, whether as to the past or the future and no reliance, in whole or in part, should be placed on the fairness, accuracy, completeness or correctness of the

promise or representation, whether as to the past or the future and no reliance, in whole or in part, should be placed on the fairness, accuracy, completeness or correctness of the information contained

. Nothing contained herein or therein is, or shall be relied upon as, a promise or representation, whether as to the past or the future and no reliance, in whole or in part, should be placed on the fairness

operational risk management. 2.2 Risk Management KBank has placed an emphasis on comprehensive risk management such as credit risk, market risk, liquidity risk, operational risk, digital risk and strategic risk

relied upon as, a promise or representation, whether as to the past or the future and no reliance, in whole or in part, should be placed on the fairness, accuracy, completeness or correctness of the

relied upon as, a promise or representation, whether as to the past or the future and no reliance, in whole or in part, should be placed on the fairness, accuracy, completeness or correctness of the

to decline. For deposits, commercial banks have placed greater emphasis on adjusting their deposit portfolio structure to increase the proportion of CASA while managing liquidity appropriate to the