:  - have robust checks and balances mechanisms in place in every critical business system;   - have effective business continuity management and plans;   - have a customer onboarding and Know Your Customer

for Thai business operators to grow regionally; 3. Market Competitiveness: To strengthen Thai market competitiveness by building robust infrastructure compatible to digital business models; 4. Risk

-corruption measures toward practical implementation by encouraging listed companies and market participants to place importance on having robust internal control systems and transparent operations, in line

/USD 32.31 in 2018 which was 5% stronger than the THB/USD 33.93 in 2017. Exceptional Items There were no Exceptional Items in 2019, 2018 or 2017. Subsequent Event None reviewQ419.xlsx MD&A 2019 24/02

34.25 in 2015. Exceptional Items There were no Exceptional Items in 2017, 2016 or 2015. Subsequent Event None

uncertainty concerning entity’s ability to continue as a going concern (paragraph........); ( 5.2 An uncertainty relating to the future outcome of exceptional litigation or regulatory action (paragraph

uncertainty relating to the future outcome of exceptional litigation or regulatory action (paragraph........); ฆ 5.3 A major catastrophe that has had, or continues to have, a significant effect on the entity’s

apply) ( 5.1 Using of going concern assumption appropriate but a material uncertainty exists (paragraph number.......) ( 5.2 An uncertainty relating to the future outcome of exceptional litigation or

the target. In this quarter, our impairment loss on loans and debt securities increased slightly from the prior quarter. At the same time, our robust capital position was sufficient to cushion against

and strengthening domestic demand, growth in the ASEAN-5 (Indonesia, Malaysia, the Philippines, Thailand, and Singapore) economies is projected to remain robust at around 5% for the fourth quarter of