increasingly pivotal role in the labor market, and is replacing human labor at certain levels. Under this context, demand for financial services and business operations of commercial banks will inevitably turn a

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained traction, buoyed by both domestic and international factors. However, the business sector faced rising challenges, namely various forms of competition, a borderless marketplace within the ASEAN Economic Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus lea...

our status as a leading digital wealth advisor, a personal investment assistant for customers of all levels to ensure that they can attain their investment goals by themselves. Meanwhile, we elevated

and deposits rose as most banks focused mainly on management of deposits, which must be kept at levels appropriate for loan demand, while raising the proportion of low-cost deposits in savings and

Thailand’s macroprudential measures, will help reduce risky loans. Increasing bank reserves and relatively high levels of capital will continue to help banks to face challenges. Additionally, commercial banks

the previous quarter, average Dubai crude oil price in Q2/2017 decreased by 3.35 USD/BBL, pressured by the high crude reserve levels in the US. US crude oil production has the tendency to rise from the

levels far below their agreed upon target by 150% during Q2/2018, which can mostly be attributed to reductions by Saudi Arabia, and production difficulties in Venezuela, as well as the US opting out of the

. Continued elevated levels of household debt will likely contribute to a contraction in private consumption, while private investment is also expected to fall as the business sector delays investment in order

Thailand (BOT) requires commercial banks registered in Thailand and members of their financial groups to maintain minimum levels of capital adequacy as measured by three ratios, including the Common Equity

, the Bank of Thailand (BOT) requires commercial banks registered in Thailand and members of their financial groups to maintain minimum levels of capital adequacy as measured by three ratios, including