) show that in the U.S., trade prices tend to cluster around integers, half-dollars and quarters. Literature review • Round numbers have also been linked to cognitive limitations and investors’ tendency to
Cognitive aspects influencing the navigation of complex saving vehicles 2 Experimental survey Overview of this talk Talk outline 6 1. Life-cycle patterns of retirement saving and adequacy implications 2
, inclusive of CSL’s revenue and equipment rental from partnership with TOT (see significant event). Excluding IC and equipment rental, service revenue would have been +5.7% YoY and +1.6% QoQ, against the FY18
%YoY and -1.3%QoQ continued impact from COVID-19 pandemic and market competition. Core service revenue (excluding IC and TOT partnership) was Bt32,130mn, decreasing -6.8YoY and flat QoQ from the decline
revenue”, grew 5.4%YoY from the demand for EDS and Cloud. Network OPEX excluding cost of TOT partnership was +9.4% increase YoY, as the base rental and utilities increased from 4G/5G network expansion
enterprise market in the medium term. Cost management has resulted in profitability improvement. Excluding payment to TOT, cash cost of service and SG&A continued to be stabilized, -4.8% YoY and +2.2% QoQ, due
, including the consolidation of CSL, equipment rental from TOT partnership, and sales revenue. Core service revenue (excluding IC & equipment rental) was Bt99,745mn, increasing 3.9% YoY, and reflected timid
network and service. This resulted in overall network OPEX ( excluding cost of TOT partnership) to stay flat YoY or remained at 8% of core service revenue. The focus on effective spending amidst intense
individual has made. 6. Behavioural biases related to investing • Aware that investors may not always make rational decisions due to biases. • Provide examples of common emotional or cognitive biases that may
competition. Core service revenue contributed 77% while sales revenue contributed 15%. Core service revenue (excluding IC and TOT partnership) recorded Bt33,090mn flat YoY, - 4. 3% QoQ mainly from decline in