the cost to serve. We have embarked on a multi-year journey of IT transformation to enhance our time-to-market and simplify internal operational processes, as well as implemented autonomous network to

-3.4% YoY. Expected growth in FY23 focusing on profitability through quality revenue and efficient cost allocation 2023 will be a year of transformation towards a Cognitive Tech-Co that aims to

also embarked on a journey to make the organization ready for the future. Initiatives in this regard include the recent strengthening of the management team with the recruitment of the Chief Strategy

continued growth aspirations, IVL has also embarked on a journey to make the organization ready for the future. Initiatives in this regard include the recent strengthening of the management team with the

efficient risk management under the supervision of the Risk Oversight Committee, Market Risk Management Sub-committee and Enterprise Risk Management Division, to maintain risks within prudent limits. 2.3

&A 4 Strategic Investments IVL continued in its earnings accreting growth journey through several acquisitions and organic imperatives with an overall capital investment of $2.26 billion in 2018 which

flows as above, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk management under the supervision of the Enterprise Risk Management Division

ให้กบัลกูค้า อาทิ กิจกรรม น าชมสถาปัตยกรรมและประวตัิศาสตร์ไทย “The Symbol of Your Journey: Memorable of The Hidden Place” 11 และกิจกรรมมินิคอนเสิร์ตในวนัแห่งความรัก “The Symbol of Your Pleasure: BLACK

classification may somewhat help ease the impact of deteriorating quality of normal loan to NPLs. Meanwhile, most banks are expected to emphasize efficient cost management and adjust their operating strategies in

, especially through efficient cost management and expansion of their customer base and income from financial transactions and services via digital platforms. Close attention should be paid to the overall