are ESCENT TOWN PHITSANULOK, a townhome project and NINYA KALLAPAPRUEK, a twin-home project. Both are accumulated ample interest from potential customers even though demand in the residential market is

sophisticated machine learning. JEL Classification: C45, G34, M14 Keywords: corporate culture, board gender diversity, female directors, corporate governance, machine learning, textual analysis, agency theory 2

individuals to act as the person in charge of monitoring. With the person in question is not properly qualified in audit field and does not use ample time to effectively perform monitoring. The guideline, the

volatility, effectively assume this risk. Structured securities are complex instruments, typically involve a high degree of risk and are intended for sale only to sophisticated investors who are capable of

responsibilities of ownership are appropriately and fully delivered in their interests and on their behalf by those agents. As sophisticated investors with influence, often including voting rights, institutional

a strong capital base and ample liquidity position. At the end of March 2020, the loan to deposit ratio was 84.2 percent. The total capital adequacy ratio, Common Equity Tier 1 capital adequacy ratio

management and portfolio quality improvement, our RM teams are always on hand to offer our customers advice on sophisticated investment products and hold financial activities that provide increased

is expected to remain ample throughout the first half of 2019 due to tepid loan demand amid heightened risks at home and abroad. We are therefore closely monitoring and analyzing related developments

this factor when assigning audit engagements to the partners and the EQCRs to ensure that both have ample amount of time to get involved with the engagements. 6. Monitoring To enable the audit firms to

Investor Strategies for Incorporating ESG Considerations into Corporate Interactions www.blackrock.com www.ceres.org Century21st Engagement Investor Strategies for Incorporating ESG Considerations into Corporate Interactions [ 5 ] FOREWORD The Value of Our Voice ......................................................................................................................................... 1 How ESG Megatrends Are Shaping Valuation ...........................................................