sluggish effecting from Trade War which impacted the global economic sentiment. However, the Thai economy is attributed mainly by number of factors, namely 1.) Growth in Tourism sector particularly in 2H19 2

วัตุถุประสงคการใชเงิน D. Expenses of the Issue คาใชจายในการออกและเสนอขายหลักทรัพย E. RISK FACTORS ปจจัยความเสี่ยง IV. INFORMATION on THE ISSUER A. History and Development of the Issuer ประวัติความ

a low-carbon society. It featured sharing of experiences and perspectives among international experts, focusing on the key elements for developing a transition plan, tools for evaluating and

; it has already occurred and continues in real time. Climate-related risks and opportunities are increasingly seen as material factors to be included in investment decision making.    As the global

Data Framework with an aim to develop a sustainable action framework for institutional investors to use in integrating key ESG factors into their clear investment decision making while considering the

Bangkok, October 16, 2015 ? The SEC will pay a closer attention to investors? behaviors and factors influencing their decision making as more studies show rationality is not the only criterion for

securities issuer ("Company"), offering details and risk factors. Investors must read this executive summary together with the entire Prospectus, which can be obtained from the underwriter and the Company

rational investment decisions but their decisions are usually influenced by several factors and restrictions; emotion, beliefs and biases, for example. Those factors and restrictions cause investors to

information provided in this MD&A may vary if any factors or situation are changed in the future; the investors are, therefore, required to have their own discretion regarding the usage of this information for

Outlook for 2018 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Regulatory Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk