requirements to be fully enforced in 2019, as well. These new standards may eventually affect provisioning expenses, risk calculation and capital maintenance of commercial banks. All of these factors may change
: Silver Medal in Best Recruitment Marketing and Employer Branding Program and Bronze Medal in Best Learning Program Supporting a Change Transformation Business Strategy Excellence Labour Relations and
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
money market items and the increase in loans. Assets Consolidated Change (Baht '000) Mar 31, 2021 Dec 31, 2020 Amount % Cash 1,176,171 1,490,626 (314,455) (21.1) Interbank and money market items, net
managed in-house. The hotel, where the word “Kitch” derives from “Kitchen”, is all set to accommodate lifestyle of gastro-tourists, who are looking to cover in local Thai cultures, mainly focusing on Thai
THB 216 million. Unit: THB mn 2Q19 2Q18 Change 6M19 6M18 Change Hotel business 813 955 -142 -14.9% 1,984 2,320 -336 -14.5% Education business 78 82 -4 -4.9% 195 203 -8 -3.9% Food business 121 7 114
risks as basis for determining how the risk should be managed. Questions Yes No 7.1 The company identifies all risks which may affect business operation at levels of organization, business unit
and total portfolio and a strong growth of both domestic and overseas subsidiaries. In addition, the Company efficiently managed the selling, general and administrative expense and funding cost. 2
expected from the mandate change. 1.2 Revenues from sales of by-products to total revenue for the year of 2017 and 2016 were 4.70% and 1.53% respectively. The revenue from by-products in the year of 2017 has