) Financial Ratio Q2-2017 Q1-2017 Change Q2-2016 Change Return on Assets (ROA)1) 1.26 1.43 (0.17) 1.41 (0.15) Return on Equity (ROE)1) 10.78 12.44 (1.66) 12.79 (2.01) Net Interest Margin (NIM)1) 3.43 3.41 0.02
institutions which may cause widespread repercussions and rapid changes. Having studied this law and made preparations for the change, we are confident that we will be able to accurately and fully comply with
interest payment offered to SME business and retail customers. Also, amid the prevailing economic pressures, it may take some time before economic activity in several sectors can return to normalcy. Hence
refers to the level and direction of changes in the rate of return of securities in the mutual fund’s investment portfolio by comparing with market movements. Beta lower than 1 indicates that the change in
the mutual fund’s investment portfolio by comparing with market movements. Beta lower than 1 indicates that the change in the rate of return of the securities in the investment portfolio is lower than
have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most
requirements to be fully enforced in 2019, as well. These new standards may eventually affect provisioning expenses, risk calculation and capital maintenance of commercial banks. All of these factors may change
banking business, directly and indirectly. In detail: 1. Cyber Security Risk Amid rapid technological change, Thai consumers have readily embraced the new tech trends. Obviously, economic activity