Knowledge of staff Prosperous growth with international recognition Building Capacity of Stakeholders - 08 - The impact of the amended labor law on the calculation of the employee’s benefit using actuarial

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harmoniously combining technology and talent” Customer Promise 5 Confidential Growth Strategy Key Capabilities Purpose Strong Brand Dominate Digital Payment Reimagine Commercial & Consumer Lending Democratize

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December compared to last year and we see this continuing into the first quarter of 2018. The year as a whole was focused on increasing topline growth which has been achieved with a 115mTHB or +14% increase

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strong across-the-board growth. The business sector remained challenged by new modes of competition amid the advancing digital age and the rapid pace of technological advancement, together with the

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