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

emerging market countries. The SEC believes that the findings from this survey will be beneficial to auditors in improving their works, thereby enhancing the quality of companies? financial statements to be

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

COMPANY LIMITED LIT: LEASE IT PUBLIC COMPANY LIMITED PQS: Premier Quality Starch Public Company Limited Q-CON: QUALITY CONSTRUCTION PRODUCTS PUBLIC COMPANY LIMITED QH: QUALITY HOUSES PUBLIC COMPANY LIMITED

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