related business (Section 22) Other related business Licensing / Registered Capital / Fees Business Conduct Securities Lending / Credit Balance (Section 102) Protection of Customer Assets (Section 98(3
) Caring for society and environment 2) Conducting business with ethics 3) Building business security 4) Caring for employees and creating customer satisfaction. These guidelines are integrated into the
appropriate returns. At the same time, banks have had to invest in developing technology and innovation, building platforms to connect to all parts of their ecosystems, using Cloud computing technology and Big
relating to severance payment in case of retirement of employees in accordance with the amended Labor Protection Act which was recorded during 4Q18. Cost-to-income ratio excluding loss from sale and
Hotel Bangkok employee cost and additional post- employment benefit expenses from the new labour protection act effective in 2Q19. Depreciation and amortization expenses were Baht 65 million in 4Q19
additional post- employment benefit expenses from the new labour protection act effective in 2Q19. Depreciation and amortization expenses were Baht 65 million in 4Q19, decreased by 34.2% and Baht 337 million