Discussion and Analysis for the Third Quarter ended 30 September 2019 Page 6/22 2. Loan Services The bank has divided the customers into the segments to deeply understand their needs, paid more attention in

have access to the internet are at a disadvantage to those that do. Access is just the first step but helping them understand how to use the tool for their development and education in a safe manner is

information related to provision of services as a derivatives clearing house sufficiently to the extent that members or their clients, or any involved persons understand risks from use of the services, and

investors to understand the fee calculation method of the fund which may be used for making an appropriate investment decision. 4. Ongoing disclosure and reporting requirements Equivalent Thai rules and

; (iv) understand thoroughly the terms of the Notes and be familiar with the behaviour of any relevant financial markets; and (v) be able to evaluate (either alone or with the help of a financial adviser

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Income Money Market Thailand Equity Property Fund Foreign EQ Allocation Commodities ETF Miscellaneous 2 Thai Mutual Fund Industry 68% 12% 20% 74% 21% 5% Equity Large-Cap Equity Small/Mid https

be widely communicated to the relevant personnel of the intermediary in an easily accessible manner in order for such personnel to understand and be able to comply with such policy correctly; (2