professionals, especially securities analysts, to attain better knowledge and deeper learning of ESG data analysis and integrate this information into their research reports. In addition, the emphasis on ESG in

investors first). This has led to a better process of product offering and the introduction of machine readable and Open API data presentation to accommodate further data analysis and value added services. In

marketing policies of the major products or services during the prior year by way of, for example, general comparison with competitors (numerical data not required), customers’ characteristics, target groups

in general comparison with competitors (numerical data not required)), customers’ characteristics, target groups, sales and distribution channels. In case of export, specify the domestic/export sales

, data collection ability, data analysis and analytics, and development of service channels – whether in the physical branch, electronic or digital formats – so that customers’ financial service needs are

E_1 Legal_FA_2015_12_29-c A WCorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2018 In 2018, the overall Thai economy maintained its growth due largely to healthier growth of exports and tourism, especially in the first half of the year. Meanwhile, the government continued to implement measures to promote and strengthen the domestic economy through support of investment and private spending as well as bolstering opportunities for other econo...

become customer advisors; in-depth data analysis was also conducted to examine the business and personal needs of our customers at given times. Based on existing customer data, we have expanded the

advisors with knowledge and know-how on products and services and to strengthen collaboration between sales teams and branch officers. Focus was also on in-depth data analysis in order to gain insights about

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2018 The Thai economy in the second quarter of 2018 gained further traction from the first quarter. The ongoing economic rebound was mainly driven by exports and tourism, whereas domestic spending and investment only gradually picked up. Still, the economy has yet to see strong across-the-board growth. The business sector remained challenged by new modes of competition...

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...