uncertainty. ❑ Prepare mitigative corporate actions accordingly. Policymaker ❑ Maintain stable Geopolitics and low GPR. ❑ Provide financial assistance at critical times of overall liquidity shortage. Investors

in the regulations but was able to maintain its good performance in the first quarter of 2019. Considering the Statement of Financial Position of the commercial banks registered in Thailand at the end

change significantly as it put efforts to maintain and to sustain gross margin percentage for real estate development business. Therefore, gross margin of the Company for the past three years is quite

42.07% respectively. It could be seen that gross margin of the Group of Companies does not change significantly as it has policy to maintain and to sustain appropriate range of gross margin for real

Section 97 Securities and Exchange Act B.E. 2535 Section 97. A securities company shall maintain capital adequacy in accordance with the rules, conditions and procedures as specified by the SEC.

, trading and construction. Demand for consumer loans is likely to increase in the credit card sector, while demand for housing loans and other personal loans will be stable. Demand for auto-leasing will tend

the Thai baht remained in line with those of other currencies in the region, close monitoring of short-term capital flows is necessary. The overall financial system remained stable and resilient to

demand.Private consumption plummeted due to increasing unemployment, lower household income and higher household debt. Some business sectors have delayed investments in order to maintain some liquidity, and this

managing of costs. Under the Basel III requirements banks also need to maintain a sufficient level of liquid assets (as measured by the Liquidity Coverage Ratio) to cope with potential cash outflows in the

regulations for Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) requirements. The preparation for TFRS 9 adoption, which will come into effect in 2020, and managing loan quality and NPL