consequences, and thus ease potential problems from lending, comprise four major elements, namely leadership and responsible lending commitment, stakeholder engagement, internal implementation mechanisms, and

with the pervious quarter. The improvement was due to the easing of lockdown measure and domestic travel restriction, coupling with the implementation of government policies, which resulted in the

no business relationship with the company or any relationship that could influence their judgement and independent performance. 2.6 The board of directors oversees the development and implementation of

technology (IT governance), and implementation of appropriate risk management and resource allocation by their board of directors and executives that is practical and meets the standards established by an

ไดแ้ก่ (ก) การส ารวจและท าความเขา้ใจลูกคา้ (explore & understand) (ข) การก าหนดโครงสร้าง การลงทุน (portfolio construction) (ค) การลงทุนตามแผนจดัสรรการลงทุน (portfolio implementation) 3 (ง) การติดตามและ

Memorandum of Cooperation on the Establishment and Implementation of the Asia Region Funds Passport (MOC) และบริษทัจดัการกองทุนรวม ได้รับเอกสารท่ีแสดงการมีลกัษณะดงักล่าวจากส านักงานเพื่อน าไปแสดงต่อหน่วยงานก า

that are in process of project implementation. In addition, the payables in the part of unbilled costs have issued invoices for collection because the payment of goods and services is not yet due

the increase in online sales is due to the implementation of various operational improvement to enhance efficiency of online channel. The Company also improved its website by increasing visually

business with high-quality subscribers, leveraging expanded network coverage. The ARPU continued to increase through upselling higher-value products alongside the implementation of cross-sell strategies

to the allowances for bad debt and doubtful accounts of the bank are adequate as seen from high proportion of loan loss reserves ratio is at 186.65%. Earnings per share for the second quarter and the