a new office in a location that can provide convenience of travelling, not too far from the former office location so as not to affect the employees commuting to work and contact persons, helping

homes from traditional media such as TV, newspaper, magazine and radio, now people are becoming more mobile and spending more outside of their homes. Most of this time is spent commuting in their cars, on

fuel prices between the 27th of December, 2018 and the 3rd of January, 2019 as a gift for commuting Thais during the New Year period, combined with the mentioned decrease in high premium diesel price by

Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short and long

Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short- and long

are also watchful for any potential impacts on our deposits and liquidity, both short- and long-term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of

Risk Oversight Committee, Assets and Liabilities Management Sub-committee and Enterprise Risk Management Division. We are also watchful for any potential impacts on our deposits and liquidity, both short

Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short- and long-term, to ensure that we adopt proper fund-raising strategies. 2.4 Cyber Risk Management

supervision of the Enterprise Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity

also watchful for any potential impacts on our deposits and liquidity, both short-term and long-term, to ensure that we continue to adopt proper fund-raising strategies. 7 3. Business Directions and