) contains a salient point on amendment to the Bank of Thailand’s limited authority under Financial Institution Business Act B.E. 2551 (2008) to ensure enhanced efficiency in supervising specialized financial

collateral appraisal have been revised to ensure greater flexibility based on the principle of reliability to reflect its true value in order to ensure increased efficiency in collateral appraisal and

ensure enhanced security for customers’ transactions and increased efficiency in fraud detection via transaction fraud module for a broader coverage of transactions via various channels.  Enhancement of

Dissemination of Information Relating to Securities Offering Prior to the Effectiveness of Registration Statement and Draft Prospectus (No. 2)

Dissemination of Information Relating to Securities Offering Prior to the Effectiveness of Registration Statement and Draft Prospectus (No. 3)

reduction of raw materials. Selling Expenses Selling expenses of Q3’2018 was Baht 390 million, decreased by Baht 24 million or 5.8% from Q3’2017, mainly from increased efficiency of advertising and

clients to apply innovations and digital tools appropriate for their business operations, such as the use of software for accommodation management and pharmacies, for increased efficiency in account and

maintaining our leadership in digital banking services. We have assessed risk management and status, and set the risk target and 2018 Cyber Risk Management Roadmap for enhanced efficiency in work process

Baht 1,998 million, decreased by 4.6% or Baht 97 million, from Baht 2,095 million in the fiscal year 2017, mainly from increased efficiency to control expenses. Fire incident impact In the fiscal year

comply with the Bank of Thailand’s regulations and directions.  Early warning signs were developed with the use of transactional data and customer behavioral data for enhanced efficiency in customer risk