associated with other underlying firm characteristics, for example, fundamentals, or the specific combination of growth, risk, and firm fundamentals. 3 Extensive studies have established a discontinuity in
capital, in combination with regular increases in reserves, the commercial banking system will continue to provide a cushion for NPL. Overall Picture of the Bank and its Subsidiaries Million Baht Item
combination (BGYSP) amount of Baht 276 million in Q3’2018 which would be amortised by Baht 12 million per annum along the PPA life. Share of Profit (Loss) of Associates and Joint Ventures • Share of profit from
% y-on-y in 2019 to Baht 289 million primarily attributable to gain from business combination (BGYSP) amount of Baht 276 million in Q3’2018 which would be amortised by Baht 12 million per annum along
thoroughly economic growth can spread to all sectors. However, given commercial banks’ relatively high capital base in combination with consistent increases in provisioning reserves, the commercial banking
possibility of integration Figure 3: Margins and Returns 6 into its existing businesses. The combination of a strong local company with recognized products and deep insights into the market with IVL’s global
decreased by -0.5% and -7.4% respectively; whereby in the case of Bangkok it was due to decreased OCC, while for Maldives it was a combination of decreased OCC and ARR. (1.2) Food Business Operational
changes in operating assets and liabilities 65 (16) +520% Net Cash flows from (used in) operating activities 203 309 -34% Cash received from business combination (307) 0 - Cash paid for investment in joint
Coverage Ratio (LCR) which reflects the excess liquidity in the commercial banking system. With the combination of the recent high level of provisioning in preparation for the adoption of IFRS 9, which will
the loan to deposit ratio and the Liquidity Coverage Ratio (LCR) which reflects the excess liquidity in the commercial banking system. With the combination of the recent high level of provisioning in