due to the recognition of special profits, while loan growth and credit quality were affected by the economic slowdown. The combined net profit of the commercial banking system was Baht 270.9 billion, a

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

เรื่อง นำส่งสำเนาประกาศแก้ไขหลักเกณฑ์การให้กู้ยืมเงินเพื่อซื้อหลักทรัพย์และการให้ยืมหลักทรัพย์เพื่อขายชอร์ต ในระบบ credit balance

of TRUE about (1) the National Broadcasting and Telecommunications Commission (“NBTC”) imposed True Move Company Limited (“True Move”), a subsidiary company of TRUE, to submit Baht 3,381.95 million of

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

Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 5 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development

strategic move by combining Central and Robinson department store. The business synergy will give the combined department stores a significant acceleration to become more customer- centric, as well as to

concern on a deterioration in debt serviceability of household and SMEs. Although the deterioration in credit quality of commercial bank loans affected profitability, but Thai commercial banking system’s

concern on a deterioration in debt serviceability of household and SMEs. Although the deterioration in credit quality of commercial bank loans affected profitability, but Thai commercial banking system’s

undertake the move the Company’s office in the future. 9. Source of Fund 30% is from the Company’s Working Capital, and 70% shall be the loan from the financial institutes. That means the Company shall get