individual has made. 6. Behavioural biases related to investing • Aware that investors may not always make rational decisions due to biases. • Provide examples of common emotional or cognitive biases that may

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...

Rating for the year 2019, be acknowledged. TRIS Rating upgraded the Company rating and the ratings of the Company’s outstanding senior unsecured debentures to “A” from “A-”. The rating upgrade reflects

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

to the investment in machinery of new production line, and Intangible assets increase Baht 0.92 million due to upgraded the accounting software to current version. 2. Total liability, the company had

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

year, representing a seven-year high and it remains a driving force of the economy this year according to the Bank of Thailand. GDP has again been upgraded from 3.8-4% to 4-4.5% which is positive for the

18.22Mb included one-offs expenses for IPO of 8Mb plus 10.22Mb increase attributed to upgraded IT expenses, more staff for business expansion, salary increased for staff, recruitment fee for recruiting

services (health) General public • Number of healthcare facilities upgraded 12 Issuer Industry Use of Process Type of Socio- economic outcome Target Population Indicators benefitting the general public, in

margin in 2Q2017 was 11.85% of net sales, upgraded from 9.76% in 2Q2016. The consolidated net profit for 6M2017 was THB 918 million, strongly improved by THB 262 million or 39.98% as compared to 6M2016