reasons for the decline of cost ratio not only stemmed from the increase of SW income and non-sw income per head but also from the efficient cost management particularly staff cost. Administrative Expenses

, taxes and depreciation (“EBITDA”) EBITDA (not included other income) decreased by 6% yoy but EBITDA margin remained at the same level of previous year which was 26%. This was attributable to the efficient

covered in the sustainability building goals to make sure that Thai ESG Funds will be another efficient channel for long-term savings and investment for the public. We should also underline the important

, efficient, and accountable public sustainability reports and actively monitor and follow up on the results of these initiatives.”To ensure the acceleration of progress towards the Sustainable Development

(FETCO), said: “The introduction of the Investment Scam Hotline will significantly enhance the efficient and rapid prevention of public deception, thanks to the collaborative efforts of relevant agencies

highly efficient, the use of digital assets to pay for goods and services would not add much benefit to consumers and businesses.Nonetheless, the BOT, SEC, and other relevant government agencies support

market. With the Mission, “To assure a conducive environment for a fair, efficient, dynamic and inclusive capital market”, the SEC collaborates with several agencies, at the local and international

creating customer and policy holder confidence. Especially during the turning point, insurance companies need to have sound financial conditions and efficient business operation. Accordingly, the TGIA

are adopted. The compliance unit shall be independent to monitor the operation of the derivatives broker . Clause 8 The derivatives broker shall put in place an efficient risk system for the management

place an efficient risk system for the management of financial and operational risks. In managing risks accociated with the operation of information technology, the derivatives broker shall put in place a