due to its lofty international reserves. Meanwhile, Thai and US interest rates and bond yields were declining due to several factors. There were, for instance, political strife between North Korea and

Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short and long

are also watchful for any potential impacts on our deposits and liquidity, both short- and long-term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of

Risk Oversight Committee, Assets and Liabilities Management Sub-committee and Enterprise Risk Management Division. We are also watchful for any potential impacts on our deposits and liquidity, both short

Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short- and long-term, to ensure that we adopt proper fund-raising strategies. 2.4 Cyber Risk Management

supervision of the Enterprise Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity

also watchful for any potential impacts on our deposits and liquidity, both short-term and long-term, to ensure that we continue to adopt proper fund-raising strategies. 7 3. Business Directions and

the supervision of the Enterprise Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits

emphasize predictive risk controls via the supervision of the Risk Oversight Committee, Assets and Liabilities Management Sub-committee and Enterprise Risk Management Division. In addition, we are watchful