businesses. Focus has been on formulating area- based lending strategies given the uneven economic recovery. We continued to prioritize risk assessment through prudent screening and close monitoring of
Risk Management During the first quarter of 2018, the Thai economy saw an uneven recovery amid limited growth in consumption, weak farm income and risks from uncertain trade policies and protectionist
to certain groups of customers and limited growth in some types of loans amid an uneven economic recovery. In addition, net fees and service income of the banking system continued to enjoy steady