the mechanism for supervising the service industry related to electronic transactions has been streamlined for enhanced clarity and in alignment with digital development for the economy and society

governance (ESG) issues Market Conduct and Customer data security and privacy Business operations defined by good corporate governance practices 8 Upgraded ESG Environmental Key Performance Indicators

ADVANC-MDA-1Q24-EN 1Q24 MD&A Advanced Info Service Plc. 1 Executive Summary Revenue base expansion from core business growth and acquisition of TTTBB 1Q24, Thai consumer confidence slightly improved

indicated that in the third quarter of 2019, credit demand from the business sector improved from the previous quarter, due to loan demand from large corporates, particularly for working capital in the

international economic and political uncertainty, as well as rapid changes in fund flows as above, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk

from the same period of last year at 12.21% due to the cost of plastic resin, which is the main raw material, was higher than the same quarter of last year, but the sell price adjustment was possible for

upgraded the CPN’s rating and debentures to “AA” with “stable” outlook. As of 30 September 2017, outstanding interest-bearing debts was THB 17,967 mn, comprising of 78% fixed and 22% floating interest rates

vulnerable, however, many central banks may adopt a cautious stance in their monetary policies, primarily taking into account the right timing to mitigate possible foreign exchange volatilities as well as

make it possible for corporations to decrease the cost of capital and to facilitate their access to the capital market. This is of significant importance in today’s globalised capital markets

ENGAGEMENT } Select a consistent review period each year for the portfolio to identify outliers in terms of financial/ESG performance where it is possible to influence change. } Review these factors at the