social and community development in material issues for business operational process. In addition, the action plan that shows the Company’s capability of managing social sustainability issues in the

operational process. In addition, the action plan that shows the Company’s capability of managing social sustainability issues in the efficient business operational process should be disclosed as well. The

. Operating Performance and Financial Position Analysis 38 4.1 Operating Performance 38 4.2 Financial Position Analysis 43 4.3 Loans and Deposits 46 4.4 Treasury Operations 49 4.5 Operating Performances of K

Position Analysis 43 4.3 Loans and Deposits 45 4.4 Treasury Operations 49 4.5 Operating Performances of K Companies and Muang Thai Life Assurance PCL 50 4.6 Capital Requirements 51 4.7 Credit Ratings 54 5

Performances of K Companies and Muang Thai Life Assurance PCL 49 4.6 Capital Requirements 50 4.7 Credit Ratings 53 5. Operations of Support Groups 55 5.1 Human Resource Management 55 5.2 IT Management 58 6

brand in Thailand and Malaysia respectively. As per similar characteristics of customers, it shows that both NDR and FKRMM are specialized and expertise in marketing for such customers. FKRMM has 4