apparent during the second half of 2019. Meanwhile, close attention should be paid to home loan business after the Bank of Thailand’s new measures for mortgage loan supervision came into force at the
supervision. 2 According to Notification of Securities and Exchange Commission Kor Jor. 4/2560 on Determination of Definitions of Institutional Investors, Ultra High Net Worth Investors, and High Net Worth
be in accordance with Chapter 3; (4) Supervision of Investment for Employees’ Assets shall be in accordance with Chapter 4. Chapter 1 Excessive Transactions for Clients _______________ Clause 5 2 In
investment will be made in the shares issued by the company in Clause 5(5), the applicant shall prove that a supervision is put in place to direct the operation of the company in accordance with the
management procedures to support business operations via each service channel in compliance with the new regulation. 6 Financial Institutions’ IT Risk Supervision The Bank of Thailand (BOT) issued
better year on year trend towards the end of the quarter. In addition, the government policy on extending the Visa On Arrival period to the end of April 2020 should help support domestic tourism industry
and new customers. We have always been monitoring and analyzing IU volumes closely. Proactive cost saving plans were implemented with potential expense savings of THB 34 million by extending useful life
slower rate consistent with economic slowdown. Personal loans still expanded. Meanwhile, loans to business contracted. Commercial banks were tighter in extending loans in line with economic conditions as
international standards, policies and best cyber security practices under the supervision of the Bank of Thailand. Along with this, service users have been continually equipped with beneficial knowledge via