climate-related physical or transition risk changes over the short, medium, and long term. Novel and uncertain nature Many of the effects of climate change have no precedent, limiting the ability to apply

first semester in August 2020. In 2020, we expect that the Company’s operations will be affected by various risks factors such as the outbreak of the novel coronavirus, the uncertainty of the global

quarter with net losses due to lockdown and the disruption of activities that occurred. Sales have not yet been able to adjust back to normal due to the novel coronavirus (COVID-19) outbreak, despite the

volatility, exchange- trading suspensions and closures, and affect portfolio performance. For example, the novel coronavirus disease (COVID-19) has resulted in significant disruptions to global business

, using a novel measure made possible by machine learning. Second, our research is aptly conducive to the literature on corporate culture. Previous research has looked at corporate culture from a

consistent returns for our customers in a highly volatile market environment. Based on the principle of diversification, we have developed novel formats of investment, especially through investment in

– has been introduced to deliver a novel experience for customers, allowing paperless transactions via electronic machines at two locations, where customers may also make other transactions at counters

focus was on development of new branch formats to accommodate service use of customers in relevant areas to ensure a novel brand perception. We also enhanced efficiency of existing service channels with

services.Our focus was on the development of new branch formats to accommodate service use of customers in relevant areas and to create a novel brand perception. We also enhanced service and sale efficiency with

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2020 The Thai economy in the first quarter of 2020 sank into a recession due to the COVID-19 pandemic. Economic activity was crippled almost across the board in light of lockdown measures implemented in several countries to contain the viral transmission. Financial markets went into a tailspin, whereas turbulence was seen in manufacturing, service and tourism sectors,...