, and mobile phones to support remote working and learning during the pandemic. Without reasons to upgrades, consumers continue the usage of their existing devices which impact the overall IT market

Emerging Technology Risk Amid the proliferation of innovative technologies, new business formats have sprung up to accommodate changing customer lifestyles in the digital era. As technological innovations

General Meeting of Shareholders  Organizing training and evaluation of employees’ knowledge of compliance with the Code of Conduct and Anti-Corruption Policy via the KBank e-Learning system  Holding a

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

-Corruption Policy via the KBank e-Learning system on a continual basis, and communicating to employees the Anti-Corruption Policy and informing them of communication channels for accepting information

, employees, customers and suppliers of KBank, through dissemination of knowledge in various media such as e-Learning, Security Newsletter, Cyber News Alert, online games and infographics. Moreover, a phishing

ratio (time)** 2.48 13.33 * Annualized ** =EBIT/Interest expense Dusit Thani PLC Management Discussion and Analysis For 2Q19 and 6M19 P a g e | 11 students’ learning experiences through practical skill

ratio (time)** 2.50 13.33 * Annualized ** =EBIT/Interest expense Dusit Thani PLC Management Discussion and Analysis For 2Q19 and 6M19 P a g e | 11 students’ learning experiences through practical skill

promote corporate governance practices • Organizing training courses and evaluation of employees’ knowledge of compliance with the Code of Conduct and Anti-Corruption Policy via KBank e-Learning system

of Conduct and Anti-Corruption Policy via the KBank e-Learning system  Encouraging employees to attend market conduct training courses  Communicating to employees for prevention of insider trading We