keeping the capital costs at an appropriate level and strive to maintain the financial ratio that are keys to credit rating consideration such as Net Debt to EBITDA. However, there is no debt covenant that
development and care for employees. Drive Digital Economy Strive to develop digital innovations to enhance Thai people and business sector by providing safe digital services, protecting data privacy, and
appropriate and secure internet and social media usage. • Foster comprehensive development and care for employees. Drive Digital Economy Strive to develop digital innovations to enhance Thai people and business
provide smart personalized “Financial and Life Solutions” to the right customer at the right time. We continue our endeavor to deliver an excellent customer experience with ever-greater consideration of
product levels on a continual basis. In addition, VBM has been applied to capital management to strive for the highest capital efficiency while ensuring capital adequacy under normal and stress scenarios
in support of the national policy of making Thailand a cashless society. We always strive to bolster our capabilities in providing services via digital channels to promote increased digital
advisory service efficiency. We strive to improve and offer products that are suited to customer needs under ever-changing circumstances. A noteworthy development was the introduction of electronic payment
E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2020 The Thai economy in the first quarter of 2020 sank into a recession due to the COVID-19 pandemic. Economic activity was crippled almost across the board in light of lockdown measures implemented in several countries to contain the viral transmission. Financial markets went into a tailspin, whereas turbulence was seen in manufacturing, service and tourism sectors,...
potential customers impacted from credit events or 11 changing economic circumstances. ACPM has been applied to strive for the highest capital efficiency while ensuring capital adequacy and to ensure that the