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

and manage risks associated with market volatility. In addition, it is an important means whereby prices of the underlying products such as securities and gold can be adjusted with greater efficiency

the Three Month Period (Q2/2018) (Revised 1) Attention: Directors and Manager, The Stock Exchange of Thailand N.D. Rubber Public Company Limited (“the Company”) would like to present the MD&A for the

CONSOLIDATED P&L SNAPSHOT *Adjusted EBITDA was excluded non-recurring expenses from impairment of assets and loss on disposal/write-off of assets of THB 222mn **Net profit from operation was the net profit

. 16/2551 Re: Granting of Approval for Undertaking Derivatives Business in the Category of Derivatives Broker Limited to Gold Derivatives _____________ By virtue of Section 9 and the third paragraph of

and Exchange Commission No. KorKhor. 16/2551 Re: Granting of Approval for Undertaking Derivatives Business in the Category of Derivatives Broker Limited to Gold Derivatives _____________ By virtue of

) completely and also certified the standard on Waste Process Enhancement Project for waste management operator in the gold medal level. For the real estate business, the Company was the sales amount from the

expense over earned premium moreover increased from 58.1 % in the same period last year to 63.5% this year because the term and condition of compulsory motor policies had been adjusted in accordance with

, and eventually dropped. Premium on certain policies had been adjusted to suit their corresponding risks. Also, earned premium had risen by 16.45% Motor insurance contributed 75.29% to the company’s

asset ≥15 - 25 Mn.THB เงนิกองทนุสภาพคลอ่งสทุธ ิ(Net Capital – “NC”) คอื risk-adjusted liquid equity Major Factors • Investment risk • Business risk i.e. Underwriting / DR agent โครงสรา้งสตูรค านวณ NC 5