. Moreover, after the COVID-19 pandemic, consumer lifestyle has returned to normal, which led to the slowdown in growth of the IT and innovation product market in 2023. Moreover, external factors, including

of previous year Moreover, external factors, including economic recession, inflation rates, increasing household debt, and rising interest rates led to a higher cost of living, which increased prices

movements triggered by internal and external risks  Intensified competition among financial institutions in savings and investment products that may affect overall liquidity in the banking system

prevent an incorrect investment unit value or investment unit price in the future, in cases where the incorrectness is not caused by an uncontrollable external factor; and (2) in cases where the cause of

เกิดจาก Operational Risk Key Operational Risk1 มูลค่าความเสยีหายทีเ่กิดขึ้น2 (บาท) 1. ความเสี่ยงจากการทุจริตภายใน (Internal fraud) 2. ความเสี่ยงจากการทุจริตภายนอก (External fraud) 3. ความเสี่ยงจากการจา้

)ี (บาท) 25 ... 25 ... 25 ... 25 ... 25 ... 1. ความเสี่ยงจากการทุจริตภายใน (internal fraud) 2. ความเสี่ยงจากการทุจริตภายนอก (external fraud) 3. ความเสี่ยงจากการจ้างงาน และความปลอดภัย ในสถานที่ท างาน

issuer’s external auditors for the preceding two years. II. DESCRIPTION OF THE DEBT SECURITIES A. Economic Terms of the Debt Securities 1. Provide information about the terms of the debt securities that will

and professional qualifications (including any membership in a professional body) of the issuer’s external auditors for the preceding two years. II. DESCRIPTION OF MTN Program A. Maximum amount and

growth outlook still challenge with uncertainties on the external front particular on pertaining to the US foreign trade policies, retaliatory measures from its trading partners. LH Financial Group Public

first quarter of 2018 continued to expand from the external sectors namely exports and tourism in line with the expansion of the global economy. Public spending also increased, recovering from a decline