government projects such as the National e-Payment Master Plan, as well as fast-changing consumer behavior. Within this context, KBank and K Companies have accentuated enhancement of our business capabilities

(Retail investors: “RI”) โดยขอตกลงภายใตกรอบ ACMF ในการเสนอขาย CIS ตางประเทศแก NRI มีขอบเขตสรุปได ดังนี้ (1) ใหแตละประเทศมี framework ของการ exemption หรือ fast track regime เพื่อรองรับการเสนอขาย CIS

หรือ fast track regime เพื่อรองรับการเสนอขาย และประเภทของผูลงทุนที่เขาขายเปนผูลงทุน NRI นั้นใหเปนไปตามนิยาม ที่แตละประเทศที่ ASEAN CIS เขามาเสนอขาย (host jurisdiction) เปนผูกําหนด (ซ่ึงในสวน

business operations. Other challenges also lie in the fast-changing technology which will provide consumers with increased alternatives in conducting financial transactions. 1.3 Regulatory Changes

Heavy grade crude becoming considerably harder, due to various countries having to reduce crude purchase from Iran to avoid any potential conflicts with the US. The spread between Dated Brent and Dubai

characteristics under (1)(2) or (3) to avoid compliance with the regulations for consideration under (1)(2) or (3) imposed by the SEC Office. Clause 19 The calculation of the investment value in the infrastructure

(3) to avoid compliance with the regulations for consideration under (1)(2) or (3) imposed by the SEC Office. The provisions under Paragraph 1(1) and (2), as the case may be, shall not apply to such

(3) to avoid compliance with the regulations for consideration under (1)(2) or (3) imposed by the SEC Office. The provisions under Paragraph 1(1) and (2), as the case may be, shall not apply to such

Thai or foreign laws; (4) being a person subject to a suspicious ground of being arranged for the person with the characteristics under (1)(2) or (3) to avoid compliance with the regulations for

enhance the quality of life of retail customers and the efficiency of businesses. Meanwhile, retail customers need services that are fast and seamless through non-branch channels on a 24/7 basis, while