Likelihood Rare (1), unlikely (2), possible (3), likely (4), very likely (5) Magnitude of impact Insignificant (1), minor (2), moderate (3), major (4), significant (5) Adaptability Very low (1), low (2

uncertain environment including it has always changed. The consumer has had the existed burden of household liability in high level bring to decelerate the purchase by choosing the needful product and

whether the nature of the estimate or assumption is material because of the subjectivity and judgment required to account for highly uncertain matters, as well as whether the estimate or assumption will

election, which is expected to take place early of 2019. Thai Banking Industry Although the commercial banking system in Thailand is facing challenges from an uncertain economic environment, its lending and

monitoring given that general elections are expected to take place in early 2019. Thai Banking Industry The commercial banking system in Thailand continues to face challenges from an uncertain economic

Thailand. The Bank of Thailand revised down the projection of overall economy for 2020 to contract 7.8% (as of September 2020) from the earlier forecast of 8.1%. But the fragile labor market, uncertain

continued to contract, especially investments in machinery and capital goods. The delays in business investment were attributable to weak demand and concerns over the uncertain economic outlook in the period

highly uncertain situation. V2 27/08/63 5 Operating Income and Expenses of the Bank and its Subsidiaries Million Baht Quarter Change (%) H1 Change 2/2020 1/2020 2/2019 1/2020 2/2019 2020 2019 (%) Net

digital clients so they can increase their revenues and reduce customer servicing costs. V3 22/02/62 14:27 น. 3 Thai Banking Industry in 2019 Global economic growth is likely to be slow and uncertain, while

assets to another business or changing the financial instrument with the financial instrument of other business subjected to condition causing a loss to the business. 18. Provision means uncertain