E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

, businesses and payment have shifted into the digital realm. Meanwhile, cyber threats have become more sophisticated, as seen from their application of state- of-the-art technologies. Against this backdrop

Expedia group, the world ’s leading online travel company, to add a new distribution channel and incorporate marketing campaigns globally. This will enhance ticket sales through sale channels of Expedia and

direct regulation of CRAs and may incorporate elements of the IOSCO CRA Code itself. Finally, the IOSCO CRA Code only addresses measures that CRAs should adopt to help ensure that the Principles are

provided by the US Government for low-carbon hydrogen production.  The provision of risk weightings adjustments by central banks for capital and reserve requirements and collateral frameworks to incorporate

efficiency. The Climate Bonds Initiative plans to expand the Criteria over time to incorporate other elements of climate change mitigation as appropriate and adaptation & resilience to climate change impacts

responsible investment strategies. The firm works with hundreds of the world’s leading asset managers and pension funds who incorporate ESG and corporate governance information and assessments into their

 5.2  The board should encourage management to adopt responsible operations, and incorporate them into the company’s operations plan. This is to ensure that every department and function in the company

endeavor is intended to extend our service capabilities beyond the banking realm. In this quarter, we placed greater importance on system management beyond just financial service provision, especially with

-financial services in order to meet customers’ needs beyond the banking realm in a bid to broaden our customer base in the digital age. Our key operations in three main customer segments in the first quarter