. In addition, the audit committee should keep abreast of news and information of the company, be observant and skeptical to raise suspicious issues that may cause a risk and seek clarifications from the

likely to leave EY in 2020. H2: KPMG’s existing clients are more likely to leave KPMG in 2020. H3: EY’s existing clients are more likely to leave EY for other Big 4 companies in 2020. H4: KPMG’s existing

teams are 1.7 times more likely to be leaders in innovation in their industries, driving growth and competitive advantage. • Companies with inclusive policies appears as having a lower turnover rate

grow at a slower pace, likely to fall below the lower end of the projection range of 2.5-3.0 percent, beset by the COVID-19 outbreak, the gloal economic slowdown, delay in the implementation of 2020

this year may be capped by weak commodity prices, likely causing growth in export value to be lower than what was seen in the first half. At the same time, farm income may decelerate amid rising output

compared to the same period of last year, cost of Sales of Baht 643.84 million or 81.34 percent of sales, which is caused by the price of goods, is likely to increase continuously, resulting in higher cost

transactions via multiple platforms in a highly competitive environment. At the same time, the core business of loans is likely to see limited growth pending clearer signs of economic recovery. Home loan and

less accommodative in their monetary policies. Looking forward, global interest rates are therefore likely to be on an upward trend. Amid the trade rift which may make the global economic recovery

Business Vision Purpose Any Time & Any Where Attentive & Inclusive TrustworthyTotal Solution K-Culture A PIONEER FOR THE BETTER, A STEP AHEAD FOREVER Customer at Heart | Agility | Collaboration

: C.B. 1.1 and C.B. 1.2 (Bank-only Financial Statements) For the outlook of commercial banks in 2019, loans – a core business – are likely to maintain growth. However, overall loan growth and loan quality