major areas, namely (1) improvement of business operation in such areas as data storage system, management system, custody of clients’ assets and sale promotion advertising, (2) reporting of duty

complainants, namely (1) the initial clarification and related documents gathering phase, (2) the case consideration phase, and (3) legal proceedings phase. This complaint handling improvement aims to give more

have opportunities for further improvement especially on the board responsibilities conforming to the best practice guidelines. The SEC together with The Stock Exchange of Thailand, Thai Institute of

improvement SEC Classification : ใชภ้ายใน (Internal) Comments for Potential Improvements  Is loss-chasing behaviour (always) irrational behaviour?  What if taking more risk, as measured by portfolio

year. The score improvement reflects the SEC’s operating enhancements in various areas as well as preventive measures against corruption.  The SEC has received excellent results in the CRMS Assessment

previous quarter. The improvement could be attributed to net interest income which increased by Baht 326 million or 1.27 percent. Net interest margin (NIM) stood at 3.34 percent. Non-interest income also

and were conducted in accordance with auditing standards. Although some audit firms were still in the improvement process for their quality control system, especially on the elements of engagement

Management and Risk Factors 2.1 Credit Risk Management In the third quarter of 2017, the Thai economy enjoyed better-than-expected growth on upbeat exports in line with trade partners’ economic improvement, a

worldwide is expected to show improvement, which is likely to coincide with gradually rising inflationary pressure. Inflation is set to edge up amid soaring oil prices in the global market where this year’s

for machine and equipment improvement. As of 30 June 2017 the Company had consolidated liabilities that increased from last year by Baht 238.02 million compared with last year mainly from short term