to continuous customer base expansion according to the Company’s strategy and introduction of B20 diesel in Bangchak service stations, to promote the adoption of high quality fuel, to help reduce

; the introduction of the Regulatory Sandbox; the granting of permission for commercial banks to appoint banking agents to increase their service channels; the development of loan data for SMEs to enable

ORGANIZATION OF SECURITIES COMMISSIONS REVISED MARCH 2015 A-2 CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING AGENCIES INTRODUCTION In 1 The IOSCO CRA Principles were designed to be a useful tool for securities

construction and construction materials, consumer goods and communications  Introduction of commercial loan programs under Portfolio Guarantee Scheme Phase 8 (PGS8) which features commercial loans guaranteed by

who reside in strategic provinces across the country, through the introduction of products and services based on big data analytics, in order to increase this customer group’s share of wallet devoted to

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained traction, buoyed by both domestic and international factors. However, the business sector faced rising challenges, namely various forms of competition, a borderless marketplace within the ASEAN Economic Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus lea...

E_1 Legal_FA_2015_12_29-c A HibrWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2018 The Thai economy in the third quarter of 2018 grew at a decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles. Nonetheless, the business sector remained challenged by new modes of competition, the broade...

narrative discussion of the extent to which such changes are attributable to changes in prices or to changes in the volume or amount of products or services being sold or to the introduction of new products

continuously encouraged our customers to use electronic services and conduct transactions via electronic channels, especially the K PLUS application, along with the introduction of new designs of character cards

products or services being sold or to the introduction of new products or services between corresponding periods. 3. Describe the impact of inflation, if material. If the currency in which financial