unbiased basis and takes into account forward-looking factors throughout the transaction’s lifetime. The expected credit loss measurement concept may lead to volatility of impairment loss in accordance with

in the company’s strategy and capital allocation. Risk should be managed accordingly in a rational, appropriately independent, dynamic and forward-looking way. This process of managing risks should be

dropped as a large number of fixed-term deposit accounts reached maturity, and there was a cash outflow from current and savings accounts at three or four banks. Looking at the remainder of this year

Reporting Standards (IFRS9) going forward. All of these factors may affect business adjustments of commercial banks in terms of provisioning expenses, risk calculation, capital maintenance and their overall

of Things (IoT) will make security systems more vulnerable to cyberattacks. Looking forward, cyber security risk will remain critical in line with an increasing volume and value of economic and

366 240% Gain (loss) from foreign currency forward contracts (32) (259) 17 152% 106% 39 (225) -672% Gain (loss) on foreign exchange (253) 299 227 190% -24% 237 889 276% Reversal of allowance for gain

a contraction in overall vehicle sales. Other personal loans and credit card loans decreased in tandem with a decline in private consumption growth. Looking forward, financial institutions expect

าเร็จที่คาดหมายในอนาคต ( forward-looking performance-based instrument) เป้าหมายเหล่านี้ (1) วัดได้จากตัวชี้วัด (KPIs) ที่ก าหนดไว้ล่วงหน้า และ (2) ได้รับการประเมินโดยเปรียบเทียบกับเป้าหมาย ด้านความยั่งยืน

Asian central banks reduced their policy rates continuously. Looking domestically, Thailand’s economic activity in many sectors declined in line with the overall global economy. The tourism sector in

lease agreement of Baht 53 million; (5) cash paid for treasury shares of Baht 114 million; (6) cash paid to finance costs of Baht 63 million; and (7) cash paid for dividend of Baht 69 million. 6. Forward