. Moreover, the existing laws may be impractical for capital market misconduct whereby important evidence is usually in the possession of the offenders contrary to other criminal cases that leave more traces

such as setting the maximum number of employees per branch based on sales volume, issues a Leave Without Pay policy, and controls the costs associated with rent by requesting a rent reduction to the

Million) 1Other income and total revenue during Q4/2020 and 2020 have changed due to the adjustment in accounting records of financial income for the benefits in comparison with the current financial

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) of 2020, administrative expenses was THB 109 million which decreased by THB 14 million or 11% from 9M/2019. The increase is mainly from the leave without pay policy which was effective since Q2/2020

to decline participation in financing deals and exit existing relationships over a period of time over, if not met by the client); and also covers criteria clients are only encouraged or expected to

to provide full services, and implementing a voluntary leave without pay scheme, initially for management but also later opened up to all employees. Maintaining a strong liquidity position has been a

costs such as negotiating with landlords to reduce rental in some branch areas that were not be able to provide full services, and implementing a leave without pay scheme, initially for management but

, market conditions are not a closed system and testing how individuals react to stimuli is an incomplete hypothesis as any individual can enter or leave the equity markets at any time. We hypothesize that

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