2019, credit demand from the business sector improved from the previous quarter, due to demand for loans from large corporates, and small and medium sized businesses. Demand for home loans from the

attributable to a reduction on interest expense from ABPIF compared to previous quarter.  NNP margin improved to 10.2% in Q1’2018, primarily due to improvement of our financing cost.  NNP attributable to owner

margin improved to 11.2% in 6M’2018 and 12.2% in Q2’2018, primarily due to improvement of our financing cost.  NNP attributable to owner of the parent is Baht 1,200 million in 6M’2018 or accounted for

provide scale benefits and improve operating capabilities. In response to industry headwinds, Management has improved its special focus on cost and working capital optimization programs. Disciplined

of the Group has been improved since under TFRS 9, reserve of loans and contingents where the credit risk has not increased significantly (Stage 1 Reserve) and reserve of loans and contingents where

the Group has been improved since under TFRS 9, reserve of loans and contingents where the credit risk has not increased significantly (Stage 1 Reserve) and reserve of loans and contingents where the

the early stages and any developments in improved methodologies and data that can increase the climate integrity of future bond issuances. As a result, the Criteria are likely to be refined over time

, which are in harmony with our business directions that focus on effective, timely and proactive integrated risk management (IRM), improved customer service, internal operation efficiency, and maximized

, where members of Committee 1 seek to further its mission through thoughtful consideration of accounting and disclosure concerns and pursuit of improved transparency of global financial reporting. 9 In de

, this process could be improved further with adequate consultations and proper documentation of judgments to demonstrate clearly that before providing such services, the firms had considered all relevant