three major loan products. In detail: (1) K-Home Loan: To improve our customers’ access to loans, we extended repayment period for K-Home Loan for Multi Purpose to 30 years in order to cut their monthly

and other products under trademark “Goodyear”. The Company is aim to enhance and improve the existing business and performance with expected total revenue growth of 1 percent - 2 percent per year and

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...

in Treasury Management Transformation from CFO Innovation Magazine, Singapore. The awards reflect the company’s endeavor in adopting new technology to improve efficiency that has been recognized

affect the issuer’s utilization of the assets. With regard to any material plans to construct, expand or improve facilities, describe the nature of and reason for the plan, an estimate of the amount of

efficiency of procurement process and inventory management, which could be assessed as 8% of total synergy value. A digital system will be applied in order to improve the process, resulting in Economy of Scale

following the PTT Group scheme . In addition, increasing the efficiency of procurement and managing, and reducing inventory costs by applying digital systems to improve processes such as using the E-Auction

procurement process and cost control through inventory management by implementing a digital system to improve the process that will facilitate Economy of Scale. • Financial innovation, integrating technology

การเปล่ียนแปลงและพัฒนาการที่ส าคัญ Good Better Best Review & Improve 6 นโยบายการก ากับดูแลกิจการ 63 การเปิดเผยข้อมูลพัฒนาการและการเปล่ียนแปลงที่ส าคัญฯ เพื่อแสดงว่าบริษัทได้มีการปรับปรุงนโยบายและระบบ

ติดตามและทบทวนความเสี่ยง (risk monitor and review) ควรจัดให้มีกระบวนการติดตามและทบทวนความเสี่ยงด้าน IT โดยครอบคลุมการดำเนินการ ดังนี้ (1) การกำหนดผู้รับผิดชอบในการติดตามและทบทวนความเสี่ยง (2) การกำหนดดัชนี