our key products and strong margins, even carrying forward into the second quarter, driven at first by recovery in China. Global inventory levels are tight and combined with supply chain shocks are

liquidity shocks. The ratio of non-performing loan (NPL) to total loans of the commercial banking system is expected to be stable compared to the end of 2018. This will be due partly to the continuous

assets to ensure their resilience to liquidity shocks. Factors Affecting Banking Industry Performance Thai commercial banks may encounter challenges from rapid changes in government policies and in the

play in mitigating the economic shocks on the economy and enhancing the financial and economic resilience to disasters. It has also shown that global prosperity and quality of life are profoundly more