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WebKullarat is a partner in the Financial Services Practice Group. She is named in the Financial Times’ Top 10 legal innovators for Asia-Pacific region 2024 and up and coming lawyer in Chambers Asia-Pacific 2024 for her tech and FinTech expertise. She is recognized in banking and finance, securities, derivatives and structured finance, FinTech, e-payment, … The Thai banking industry faces a critical choice. If banks continue with a business-as-usual approach, stagnation may continue. However, they have an opportunity to adapt to the changing Thai context and chart a new course to increased value creation. This new context is shaped by three primary forces: … See more The Thai banking industry is well positioned to reimagine its role in society and unlock new growth, but its fluctuating fortunes over recent years serve as a warning against a business-as-usual approach. Over the … See more With such fundamental changes occurring in the industry and society, the path ahead may not be easy for the Thai banking sector. However, the risks of not acting—and the potential rewards of a successful … See more Web22 Mar 2024 · The systemic risk for Thailand's banks has risen. There is no immediate fix to the structural issues plaguing the country's lenders and COVID-19 has only inflamed the situation. The fragile and uneven recovery is exacerbated by the economy's high dependence on tourism. Steps taken by the government and central bank should reduce the hit to … fannie mae dividend income worksheet