operation in 2018 and over the next five years in order to deliver an excellent customer experience. Meanwhile, we have upgraded our technological capability in order to act as a digital platform provider for

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

represented 10.6% YOY while non-durable goods, in which high proportion of low to medium-income household expenditure, growth only 0.0% YOY since partly owing to household debt that was still elevated at 78% to

– economy, society and environment – under good corporate governance and appropriate risk management. Guided by the Customer Centricity strategy and resolution of delivering an excellent customer experience

supervision of personal loan business to include car title loan, to allow grassroots-level consumers improved access to loan at a reasonable cost and ensure fair conditions for them.  Revise criteria to allow

impacted by declining global demand, which has also led to a deceleration of private consumption as a result of lower employment, particularly in export- related manufacturing sectors. Elevated household

of currency exchange in present to stay in low level. Information Memorandum on Acquisition of Assets O.C.C. Public Company Limited หน้า 8 จาก 20 4. Risks on Credit Loan for Investment At present, the

purchasing power. However, from Sep-21 onward, restrictions were gradually lifted, resulting in some improvement in consumer spending. Meanwhile, competition in mobile industry remained elevated as operators

regulations governing auditors to international standards by focusing on the quality assurance of an audit firm’s procedures both firm level and engagement level. As a result, the quality of auditor supervision

SECURITIES AND EXCHANGE COMMISSION Global economic growth was low in 2014 with large economies experiencing diverse levels of growth and prospects. While the United States and the United Kingdom achieved