in employees’ expenses. Expected Credit Losses To allocate a provision in accordance with Thai Financial Reporting Standard No. 9: Financial Instruments (TFRS 9), the bank has considered the expected
financial institutions (i.e. Bangkok Bank, Krung Thai Bank, and Kasikorn Thai bank), as at the date on which the Board of Directors resolved to propose that the shareholders meeting consider and approve an
weighted average of three major financial institutions (i.e. Bangkok Bank, Krung Thai Bank, and Kasikorn Thai bank), as at the date on which the Board of Directors resolved to propose that the shareholders
behalf of the customers; “Financial institution” means any financial institution under the laws governing loan interest rates of financial institutions; “Office” means the Office of the Securities and
securities company to make investment decisions to acquire benefits from securities or other assets on behalf of the customers; “Financial institution” means any financial institution under the laws governing
” means a securities business operator or a derivatives business operators, but not including a business operator which is a commercial bank under the law on financial institution, a life insurance company
business only with Institutional Investors Investor which is a financial institution under the Commercial Banking Act, securities company, non-life insurance company, life insurance company, statutory
Thai Bank and Kasikorn Thai bank), as at the date on which the Board of Directors resolved to propose that the shareholders’ meeting consider and approve an offer of financial assistance or the Granting
January 2016. Clause 4 In case an intermediary being [i] financial institution which is regulated by the Bank of Thailand or the Office of Insurance Commission or [ii] state enterprise under Ministry of