, increasing +96.2% YoY. The gross profit margin was relatively stable as high proportion of the costs was revenue sharing costs to marketing partners which vary according to the income. Services income from
year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan
amounting Baht 52.45 million, to be 50% - Cost of Producer of ready-to-drink increased Baht 46.23 million, to be 49%, the increased cost of production is consistent with the increased revenue in the milk
of Producer of ready-to-drink increased Baht 66 million, to be 17%, the increased cost of production is consistent with the increased revenue in the milk-manufacturing business to be 19%. - Cost of
Behavior: Low-Visibility Firms • Strategic behavior is proxied by return skewness. • Reduction in return skewness is shown for low-visibility firms (consistent with reduction in standard deviation of return
applicable to business operators which also operate the digital asset business . SEC therefore proposes to revise such rules to be more suitable and consistent with the present conditions . The revision
be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item
regulations for Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) requirements. The preparation for TFRS 9 adoption, which will come into effect in 2020, and managing loan quality and NPL
skills involved. Combined with the fact that investing in individual stocks is risky while portfolio investing offers more stable returns through diversification, this challenge makes investment vehicles
relevant and consistent with international norms. The SEC trusts that the findings and recommendations herein will pave the way for further development of ESG disclosure in the Thai capital market and ensure