-Based Management (VBM) was applied to credit risk management when setting the direction of credit portfolio and business targets at customer and product levels. In addition, VBM was applied to capital
explanation of calculation methods on setting up such assumptions. 8. Where there has been any material change to the issuer’s accounting policies, provide a summary of the material change and the reason for
, and managing loan quality and NPL continue to be major challenges. However, with a relatively high level of capital and the regular setting aside of additional provisions, commercial banks can still
line with the prudent approach of setting aside adequate provisioning expenses, the Bank’s total allowances for doubtful accounts amounted to Baht 147.2 billion, which will provide a cushion against any
continued uncertainties from the economic slowdown and prolonged impact from the COVID-19 situation, the Bank continues with its prudent measure in setting up provisioning for expected credit losses including
banks will continue to focus on managing loan quality. However, with a relatively high level of capital and the regular setting aside of additional provisions, commercial banks will be able to handle
continue to be major challenges. However, with a relatively high level of capital and the regular setting aside of additional provisions, commercial banks can still maintain an adequate cushion for NPL in
, concealing or destroying relevant evidence, or giving false information; (6) complexity of actions or means such as using the names of other persons or setting up a nominee company; (7) record of behaviors
จาก ผลิตภัณฑ์ทั้งสองกลุ่มดังกล่าวส่งผลให้เกิดการเปล่ียนแปลงส่วนผสมการขายผลิตภัณฑ์ (Product Mix) อย่างมีสาระส าคัญ และท าให้อัตราก าไรขั้นต้นจากธุรกิจในประเทศลดลงในภาพรวม กล่าวคือ ก าไรขั้นต้นจากธุรกิจใน
จำกกำรปิดสำขำ อย่ำงไรก็ตำม อัตรำก ำไร ขัน้ตน้จำกกำรขำยยังเพิม่ขึน้ YoY เนื่องจำก Product Mix ทีด่ขี ึน้ โดยสำมำรถขำยกลุม่สนิคำ้ทีม่ี อตัรำก ำไรขัน้ตน้สงูไดส้ดัสว่นเพิม่ขึน้ ก ำไรข ัน้ตน้จำกกำรใหเ้ช่ำ