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guard against rising risk trends in line with market volatility, and to ensure that they are appropriate for changes in regulatory requirements, including domestic and global economic policies. Relevant
achieved continual growth despite the emergence and persistence of multiple risk factors such as higher oil prices, global economic slowdown especially in trade alliance countries, exchange rate volatility
readiness, robustness and flexibility for coping with the possibility of severe impacts and fluctuation. This is to ensure that opportunities would not be lost and optimum benefits could be gained from the
experience occasional periods of volatility. Regarding inflation and the policy rate in 2019, headline inflation is expected to average 0.8 percent, lower than the 1.1 percent of 2018, as a result of easing
diverging monetary policies, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Given the changing customer behavior amid new technologies, regulatory changes and