practice, however, we believe asset allocation should be based on a combination of risk preference and risk capacity, although primarily risk capacity. We deter- mine an investor’s risk capacity by
auditor’s understanding of his/her client. The planning and performing of these procedures, whether alone or in combination with tests of details, should be in accordance with the requirements of the relevant
criterion. The combination of such transaction size and other transactions on the acquisition of assets occurring during 6-month period prior to the date on which the Board of Directors resolved to approve
criterion. The combination of such transaction size and other transactions on the acquisition of assets occurring during 6-month period prior to the date on which the Board of Directors resolved to approve
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