for tapering or ending their quantitative easing stance at the end of the third quarter of 2018. Given this, several emerging economies including those in Asia may be challenged by fluctuating

Environment 1 1.1 Global and Thai Economy in 2019 and Outlook for 2020 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Significant Regulations and Rules related to Business Operations 5 2. Risk

DJSI Emerging Markets indices, for the second year running. Selected for best sustainable development practices from a field of over 200 leading banks worldwide participating in the 2017 assessment

Thai Economy in the Third Quarter of 2018 Overall, the global economy exhibited ongoing growth. However, signs emerged that many countries, particularly emerging economies, which had been under pressure

efficient manner. South America is an important emerging market with a domestic demand for PET growing at around 5%. The value of the above acquisition, calculated in accordance with the regulations of the

Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in 2018 and Outlook for 2019 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Regulatory

Outlook for 2018 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Regulatory Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk

economy remained in the doldrums, as evidenced by slowdowns in both advanced and emerging economies. Negative factors included the persistent US-China trade rift and concerns about a no-deal Brexit. Worse

100% stake in their Films business. DuPont Teijin Films (DTF), a joint venture between DuPont and Teijin Limited, is the world’s premier producer of Biaxially-Oriented Polyethylene (BOPET) and

made sustainable development a core principle of business operations not only to mitigate risks that may affect our business undertakings, but also to brace for unpredictable, emerging risks and to