, decreasing of 128 million baht or 2% q-q and 12% y-y. This is the result of the COVID-19 pandemic situation and economic slowdown has made consumers more cautious on spending, especially in cash loan products

) Environmental uncertainty (Cormier al, et, 2013) Personal aims of the managers, i.e. conservative or aggressive (Rodrigues & Esteban, 2012) Economic/Financial crisis (Latridis & Dimitras, 2013; Trombetta

as commercial banks are expected to maintain a cautious stance in their business operations, especially through a proactive approach in asset quality management. Over the short term, however, they may

business sectors even though there will be a better direction. However, consumers are still cautious with their spending and Thailand has issued the lockdown measures for the group of foreign tourists. It

economic environment, the growth of commercial bank lending will likely slow. Banks will closely and continuously monitor loan portfolios and adopt cautious lending policies. This, coupled with the Bank of

customer approval criteria for commercial lending policies, and closely monitored small and micro businesses. At the same time, KBank has been continually cautious in credit underwriting of retail customers

vulnerable, however, many central banks may adopt a cautious stance in their monetary policies, primarily taking into account the right timing to mitigate possible foreign exchange volatilities as well as

trend. Amid the trade rift which may make the global economic recovery vulnerable, however, many central banks are likely to adopt a cautious stance in their monetary policy while also placing their focus

different opinions from the Board of Directors' opinions. The company certifies that this information memorandum is accurate, complete and has been prepared with prudence and conservative based on the

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2019 Thai economic activity in the third quarter of 2019 continued to see limited support, after growing by 2.30 percent in the second quarter. The Thai economy did show some signs of strength in the third quarter, due mostly to the low base effect of the same period last year, especially in the tourism sector. However, exports and private investment – two major e...