-changing consumer behavior. Given the increased degree of uncertainty in global economies and politics, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Within this
been made with ho nest belief and reasonable ground that it is for the best interest of the company; (2) decision has been made in reliance of information honestly believed to be sufficient; and (3
compared to the year before. Net interest income increased by Baht 4,150 million or 4.21 percent due mainly to interest income from loans and investments. Net interest margin (NIM) therefore stood at 3.31
development of the financial reporting ecosystem; it is our belief that for the financial reporting to be reliable, the stakeholders in the ecosystem should be aware, and have a good understanding, of their
and joint ventures 73.9 4.6% (1.6) (0.1%) (102.1%) Finance costs (Interest expenses) (181.3) (11.4%) (314.7) (11.9%) 73.5% Finance costs - Loans for projects (113.8) (7.2%) (163.0) (6.2%) 43.3% Finance
funds, (3) promoting governance and good standards of financial institutions and corporate whereby investors? best interest is considered paramount, and (4) developing tools to empower investors. The plan
% Administrative expenses (109.5) (15.3) (512.5) (29.3) 368.0% Finance costs (Interest expenses) (68.6) (9.7) (205.5) (11.7) 200.0% Other income 83.8 11.7 83.8 4.8 0.1% Share of profit (loss) from investment in an
framework with the belief that the business sector being driven by the framework of the guiding principles will be strengthened in the management of operational risk. More importantly, the operations of
aspects of biases comprising (1) emotional or preference biases: focusing on present rather than future incidents; (2) belief bias: making conclusion based on too small sample size while associated risks
whereby investors? best interest is considered paramount, and (4) developing tools to empower investors. The plan can be summarized as follows: Strategy One: To embrace financial technology (FinTech) as a