promote practical implementation and effective results for the benefit of emerging markets. This Fintech initiative emphasizes the role of regulators in promoting innovations and facilitating

, regulators, and credit rating agencies in various countries, also help to promote this climate risk disclosure into practical use. For example, by 2025, England has a plan to make all sectors in economic

SEC has applied the principles for regulatory reform to revising governing mutual fund regulations in order to ensure that these rules are reasonable, practical and less burdensome for the

A key strategy of SEC is to urge Thai people to realize the importance of financial planning which should be practical to achieve the long-term financial well-being. For this purpose, Thai people

reports. The CFA Institute also invited executives and experts to share their views and practical experience on the matters with participants from securities industry including executives, securities

, and (iii) revision to investment ratio in various types of assets to be more suitable and in line with different types of funds.?These amendments aim for practical implementation in the growing mutual

of 265 million Baht, decreased by 42% or by 191 million Baht due to the absence of specific business tax and residence transfer expense. In 3Q 2019, the Company had a total finance costs of 219 million

) Quality Houses Leasehold Property Fund 45 41 4 10 Quality House Hotel and Residence Freehold and Leasehold Property Fund 18 16 2 13 Total 417 390 27 7 Note : *In July 2017, LH Financial Group Plc. increased

Property Fund 192 174 18 10 Quality House Hotel and Residence Freehold and Leasehold Property Fund 61 60 1 2 Total 1,927 1,776 151 9 III Cost of sales breakdown by business segment (Unit: Million Baht) 2019

2018 Change Change (%) Home Product Center Plc. 304 261 43 16 LH Financial Group Plc. 104 111 (7) (6) Quality Houses Leasehold Property Fund 49 43 6 14 Quality House Hotel and Residence Freehold and