known and unknown risks, uncertainties and other important factors beyond the Company’s control that could cause the actual results, performance or achievements of the Company to be materially different

. BGRIM has established anti- corruption policies and related policies, corruption risk assessment and management, review of internal control systems, internal-external whistle blowing process. These

. Operating expenses also declined from effective cost management control. The Bank continued to prudently set aside additional provisions taking into account the economic slowdown and prolonged uncertainties

loan (NPL) ratio was at 3.6 percent with strong loan loss reserves to NPL at 183.4 percent. The Bank continued to focus on prudent control over credit underwriting and risk management to ensure loan

ระกอบธุรกิจตอ้งมีการควบคุมการเขา้ถึงระบบและขอ้มูลสารสนเทศ (access control) ใหเ้ป็นไปตามหลกัเกณฑด์งัต่อไปน้ี (1) มีการบริหารจดัการบญัชีผูใ้ชง้านโดยจ ากดัการเขา้ถึงขอ้มูลสารสนเทศ ใหส้ามารถ เขา้ถึงไดเ้ฉ

skill, care and diligence; (3) management and control An intermediary shall take reasonable care to organise and control its affairs responsibly and effectively, with adequate risk management systems; (4

diligence; 2 (3) management and control An intermediary shall take reasonable care to organise and control its affairs responsibly and effectively, with adequate risk management systems; (4) financial

control An intermediary shall take reasonable care to organise and control its affairs responsibly and effectively, with adequate risk management systems; (4) financial prudence An intermediary shall

received more automated system work, thus unable to control the installation time as projected in some projects. - Other income decreased 88.05% from the same period of last year due to in 2017, the Company

quarter of 2017 to 8.51% in the second quarter of 2018 due to The company has an automated system that is never done before, so it is not possible to control the installation time as expected. - Other