from interest rate reduction and a slowdown in loan in the banking system. Meanwhile, net fees and service income was stable, whereas fees from insurance, mutual fund and investment banking services
accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry, Competition and Emerging Risks Banking Industry and Competition Commercial banks’ overall
banking business, directly and indirectly. In detail: 1. Cyber Security Risk Amid rapid technological change, Thai consumers have readily embraced the new tech trends. Obviously, economic activity
facility. The production volume in Q1/19 hence reduce comparing to Q1/18. HRC price is quite stable in Q1/19 though the Safe Guard of Alloy HRC was terminated in February. This does not affect HRC price as
their capacity of the facility. The production volume in Q1/19 hence reduce comparing to Q1/18. HRC price is quite stable in Q1/19 though the Safe Guard of Alloy HRC was terminated in February. This does
79.5 4.6 5.8 Cleaning service expenses 58.0 50.4 7.6 15.0 Bad and doubtful debts expenses 35.6 65.1 (29.5) (45.3) Security guard expense 31.4 29.7 1.7 5.7 Property tax 10.5 18.3 (7.8) (42.6) Others 666.7
from the previous year (in 2018: THB 16.60 million), which is line with the greater irradiation. - Service income In 2019, SAAM Group’s service income, representing stable income generation from long
& business ethics • Maximizing energy efficiency • Conservation of natural resources and waste management • Operational efficiency with an emphasis on safety, security, health, and environment • Rights and
. - Service and rental income In Quarter 1 of 2019, SAAM Group’s service and rental income, representing stable income generation from long-term contracts with customers operating solar power projects in
Thailand remained stable. Capital funds and reserves were at a high level and were able to support the challenges of uncertain economic conditions. The performance of the Thai banking system improved, mainly