; 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

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

Firm level………………………………………………………………. (Please specify the inspected ISQC elements.) (4) Summary of inspection results …………………………………………………….… (Please specify risks associated with the non-compliance of the

engagement inspection.) (3.2) Audit Firm level………………………………………………………………. (Please specify the inspected ISQC elements.) (4) Summary of inspection results …………………………………………………….… (Please specify risks associated

กำหนดตามการใช้เทคโนโลยีดังกล่าว มีลักษณะร่วมพื้นฐาน 4 ประการ (4 key elements) กล่าวคือ (1) มีการออกแบบและใช้งานในรูปแบบดิจิทัล (issued & represented in digital form) (2) เป็นทรัพย์สินที่ไม่มีรูปร่าง

such technologies share four common elements, i.e., (1) Issuance and representation in a digital form, (2) Intangible asset, (3) Right to control by the holders, and (4) Transferability.