which supports the pursuit of the company’s objectives by considering appropriateness of business functions and legal requirement. There is, also effective internal control function. For example, there is

ซึ่งโดยทั่วไปมีหน้าที่ให้ความเห็นเกี่ยวกับมูลค่าตลาด ของทรัพย์สิน ภายใต้เงื่อนไขข้อจำกัดและสถานการณ์ของตลาดทรัพย์สิน ณ เวลานั้น “ต้นทุนทดแทนใหม่ (Replacement Cost New)” หมายถึง จำนวนเงินที่ประมาณไว้ว่า

announcements, ministerial regulations, regulations and other laws related regulations that are effective at the time of the issuance and offering of the debentures. Interest Rate Depending on the market

exempted are immaterial to the consideration of the application for approval in such particular case and the benefits to be gained are not worth the cost of complying with such regulations or conditions; (2

percent, a drop from 0.78 percent in the same period last year and 0.66 percent in the last quarter, reflecting the low overall cost of production and the slow recovery in household purchasing power. The

be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item

% (0.39)% (0.23)% 2.31% 2.42% (0.11)% Net fees and service income to operating income ratio 17.4% 24.1% 21.2% (6.7)% (3.8)% 20.4% 22.5% (2.1)% Cost to income ratio 46.5% 43.1% 45.3% 3.4% 1.2% 45.0% 44.0

3.4% from the first quarter of 2019, mainly due to the decrease in staff expenses which was resulted from effective cost management following the coronavirus outbreak (COVID-19) and the increased

which was resulted from effective cost management following the coronavirus outbreak (COVID-19) and the increased expense in supporting services. Expected Credit Losses (Reversal) To allocate provision in

นการยกเลกิการเสนอขาย หลกัทรัพย ์และการจองซือ้หลกัทรัพย ์เป็นตน้ Disclose other material information such as financial advisor, lead-underwriter, co-underwriter, effective date of registration statement