the National Statistical Office.Given such circumstances, the employers should play a greater role in supporting their employees? retirement savings through a well-planned PVD that offers various member

Bangkok, July 18, 2012 ?Global and regional economies are facing challenges and opportunities amidst rapidly changing circumstances where issues on corporate governance of large financial

present installment or in the next installment. The Company is able to manage this likelihood risks because the Company has set a plan and follow up the situation as all times. There is no outstanding loans

slower rate consistent with economic slowdown. Personal loans still expanded. Meanwhile, loans to business contracted. Commercial banks were tighter in extending loans in line with economic conditions as

financial instrument to seek benefits in the forms that comply with the Islamic principles; (c) determining clearly in advance the conditions for reimbursement of the investment capital and rate or proportion

detailed information relating to the issuing company of the securities and the conditions of securities, including the suitability for investment and the relevant risk exposure. The effectiveness of this

Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 16 Executive Summary The Company implemented proactive measures to timely manage the situation rapidly

Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 15 Executive Summary The Company implemented proactive measures to timely manage the situation rapidly

alcohol gel, and disinfectant products permitted by the Excise Department in this quarter. Natural Resource Business was affected by the situation of crude oil price in the global market that declined

both domestic and international economic policies. Households’ purchasing power and debt servicing capability showed no sign of improvement. Under these circumstances, KBank put in place more stringent