specified by regulatory authorities;       - Specifying penalties for owners of digital asset mule accounts who open or allow others to use their digital asset accounts to commit cybercrimes. They are subject

. In particular, the account opening and KYC system is inadequate, resulting in the company’s failure to know its clients and verify the true identity of the clients or beneficial owners. These

Investment as follows:Principle 1: We will incorporate ESG issues into investment analysis and decision-making processes;Principle 2: We will be active owners and incorporate ESG issues into our ownership

strengthen the protection of personal data in Thailand more efficiently for the benefits of the public sector as the owners of personal data while preventing excessive burdens on business operators under

the capital market. The project will raise awareness and understanding among local business owners about raising funds through the capital market which will support business expansion, increase in

regulations. For example, they withdrew money from the clients' accounts and used it for other persons' unit purchases in absence of the accounts' owners, or executed unit purchase orders by charging the

persons deemed to be major shareholders of business operators to encompass ultimate beneficial owners, including indirect shareholdings and concerted control arrangements, thereby reinforcing the

KYC.        2. Enhanced Scrutiny of Major Shareholders and Ultimate Beneficial Owners of Licensed Business Operators: Currently, the SEC oversees major shareholder structures by taking into account

)% Return on average assets * 0.99% 1.17% 1.04% (0.18)% (0.05)% 1.13% 1.13% - Return on average equity * 7.40% 8.78% 7.86% (1.38)% (0.46)% 8.45% 8.73% (0.28)% * Attributable to owners of the Bank V3 27/02/63

million, an increase of 72.7% yoy. Net profit attributable to owners of the parent increase by 10.3% yoy to THB 320 million. In 4Q19, the Company reported the net profit including attributable to non