addition, they have to maintain prudent credit underwriting policy and be prepared for regulatory changes regarding the Basel III capital requirements and the International Financial Reporting Standards

fair problem-solving and complaint handling; (8) prudent controls, monitors and audits; (9) efficient operating systems and business continuity plans. KBank has thoroughly reviewed our market conduct

revenue for the next few years, and it has developed a prudent strategy to maintain return to shareholders during this time. This has included restructuring DTC to allow for greater flexibility and enhanced

focus will be Vienna House where we work on the solution to manage accounting currency fluctuations and take appropriate steps where prudent to mitigate any deleterious effects. …………………………………. (Miss

fluctuations and take appropriate steps where prudent to mitigate any deleterious effects. MANAGEMENT DISCUSSION & ANALYSIS 3Q 2018 14 NOV 2018 U CITY PCL 3Q 2018 MD&A (for the quarter ended 30 September 2018

ratio in this quarter stood at 49.31 percent. KBank also set aside a higher expected credit loss of Baht 3,047 million compared to the preceding quarter, with prudent consideration of factors in line with

accounts at a prudent level. This is in line with the Bank’s conservative business management approach under both normal economic conditions and recession. The Bank’s financial position remained healthy with

Pattaya. The amount also includes administrative expenses associated with GLAND’s operations since the acquisition in 3Q18 onwards. Nonetheless, CPN demonstrated prudent cost control measures and closely

for the sale of condominium projects at 38.0% as planned. Hence, CPN is determined to exercise effective cost management and prudent cost control measures to maintain its profitability. Net profit for

ratio for the sale of condominium projects at 42.7% (the first six months of 2018 at 42.0%). Hence, CPN is determined to exercise effective cost management and prudent cost control measures to maintain