revenue as there was a lead time for certain expenses that the Company must plan in advance such as advertising expenses spent on various media. Furthermore, the Company had significant advertising and

(IPO), including with cash received after deducted directly attributable expenses of IPO, the Group has total equity of 467.41 Million Baht lead Debt to Equity ratio (D/E) as of 31 March 2019 was 1.70

and personal loan lead generator. 3. Income from insurance business in Q3/2018 wat 35.1 million baht which is the revenues from non-life insurance that the Company acquired a majority stake since Q2

performance. The backlog was around 10% of the total sales that lead to less risk under cost fluctuations. The Company has also managed the risk for exchange rate by forward contract. Please be informed

ThaiIODFan @ThaiIODThai Institute of Directors (IOD) Thai Institute of Directors 2 MINDFULNESS – GOVERN (คณะกรรมการ) MUSCLE – EXECUTE (พนักงาน) BRAIN – PLAN (ผูบ้ริหาร) ความส าคญัของคณะกรรมการ 3 Lead

Board, who can lead the team to embed climate change across existing processes and set the strategy 1.1 1.2 Engage representatives from various business functions and departments (e.g., sustainability

อยู่ภายใต้การกำกับดูแลของสำนักงานในฐานะ Lead regulator บริษัทดังกล่าวจะต้องมีกรรมการอิสระตามข้อกำหนดของประกาศดังกล่าวข้างต้น 2.3 บริษัทที่ทำหน้าที่กำกับดูแลฯ จะต้องกำกับดูแลการบริหารงานใน

complicated than plain debt securities as it is a combination of debt securities and derivatives. An investment in the structured notes involves in a few risk factors such as underlying risk, credit risk of

shall have a clear scope of work and shall not combined with other units which will lead to conflict of interest; □ (2) Procedures in controlling person in and out of the unit responsible for custody the

unit responsible for custody of private fund assets shall have a clear scope of work and shall not combined with other units which will lead to conflict of interest; □ (2) Procedures in controlling