’ needs. 2) Smart Innovative Technology: We have developed and implemented a knowledge management system for effective database searching so that our employees can answer 16 customers’ questions with

managing relevant risks under an operational risk management framework, and established additional IT risk management policies and framework for enhanced efficiency in work processes, control and systematic

greater efficiency in work processes, control and systematic risk management, in compliance with related international standards and the Bank of Thailand’s policies and best practices. 9 3. Business