growing retirement savings/investment needs of the employed population. The changing global conditions, at the same time, are posing challenges to the local market, particularly, the aggressive competition

top-up through Boonterm kiosk is not much growing. In the middle of Quarter 2, the Smart Boonterm kiosk that sells SIM Card with e-KYC service has launched in the market. In 2H19, the internal economy

generate higher income, and this scheme will complete at the end of this year. The usage amounts from money transfer are continually growing driven by a decrease of the number of banks’ branch then customers

health and esthetics. 2. Overview of operating results for the year 2019. Thai’s economic has trend to growing lower continuously, Not only exporting business but Travelling business also have trend to

transaction amount was Bt9,074mn. However, the money transfer service, of which the Company is the banking agent for 6 banks, has been growing consistently with 1,650,528 transactions per month, increasing 73.0

service, of which the Company is the banking agent for 6 banks. The money transfer has been growing consistently with 1,734 ,915 transactions per month, increasing 76.4% YoY. In term of lending business

follows the four key pillars of the Green Bond Principles 2016 and that aligns with the Social Bond Guidance 2016. By issuing this sustainability bond, Starbucks will finance projects in the coffee growing

DW Markets o Developments Growing significance of DWs in Thailand DW Trading Value (Mil. THB) YoY growth (%) % of total market 2013 244,961.21 2.08% 2014 204,556.74 -16.49% 2.01% 2015 332,137.90 62.37

Malaysia, the Philippines, Singapore and Thailand to fund green buildings, renewable energy and other sustainable projects, demonstrate the growing interest in sustainable finance by issuers and

highly valued because the range of temperatures that produced the right gold colour was narrow and difficult to control in firewood kilns. (H 19 cm) G o v e r n a n c e Governance is the most important