Bitcoin or Gold for a Diversifier? Tales of Before and During COVID-19 Crisis Financial Literacy and Fintech Adoption for Quality of Life Yosuke Kakinuma Chiang Mai University Business School SEC

Generating Authority of Thailand. It is expected to commence commercial operation in 2019. 1.4 The Entering into the Concession Contracts of the MRT Pink Line Project and the MRT Yellow Line Project As the

anniversary, and these collections are suit for every customer segment e.g. CENTENNIAL JUBILEE 90 FACTES, 90th ANNIVERSARY COLLECTION, EVENTAIL, THE EXCELLENCE OF 19, THE YELLOW MYSTERY, THE PINK MAJESTY

(Khae Rai – Min Buri) and the MRT Yellow Line (Lat Phrao – Samrong) As the Company together with BTS Group Holding Public Company Limited (“BTS”) and Sino-Thai Engineering & Construction Public Company

higher due to the higher pre-tax earnings. Golden Lime Public Company Limited 5 MANAGEMENT DISCUSSION AND ANALYSIS FOR PERIOD ENDED 31 DECEMBER 2017 We realised our goal for the year of increasing topline

collections suited for every customer segments e.g. CENTENNIAL JUBILEE 90 FACTES, 90th ANNIVERSARY COLLECTION, EVENTAIL, THE EXCELLENCE OF 19, THE YELLOW MYSTERY, THE PINK MAJESTY, FIREWORK and latest new

COLLECTION, EVENTAIL, THE EXCELLENCE OF 19, THE YELLOW MYSTERY, THE PINK MAJESTY, and the latest new collection is “JUBILEE LINE FRIENDS” which is sterling silver decorated with diamond that can approach for

fair value, gain or loss on remeasurement to fair value is recognized immediately in profit or loss. However, where derivatives qualified for hedge accounting, recognition of any resultant gain or loss

Owner of the Company before exchange rate 1,660.42 1,097.85 562.57 51.2 Gain (loss) on exchange rate 200.65 (256.34) 456.99 178.3 Profit Attributable to Owner of the Company 1,861.07 841.51 1,019.56 121.2

and interest rate risks. Derivatives are recognized initially at fair value. Subsequent to initial recognition, they are remeasured at fair value and gain or loss on remeasurement to fair value is