to help investors understand not only the business model, strategy, risks and opportunities but also form a view of the appropriateness and effectiveness of the governance approach adopted by the board

banking business, directly and indirectly. In detail: 1. Cyber Security Risk Amid rapid technological change, Thai consumers have readily embraced the new tech trends. Obviously, economic activity

because of revaluation biological assets. 7. Finance cost increased by Baht 0.61 million compared with the same period of the previous year because the Company has adopted the TFRS16 Leases for fiscal years

or clients specific actions taken on their behalf whether by themselves or by their agents. Institutional investors remain accountable for the delivery of actions even where they have delegated the day

resources properly to deliver on clients’ expectations. Institutional investors should be able to justify to beneficiaries or clients specific actions taken on their behalf whether by themselves or by their

year because the Company has adopted the TFRS16 Leases for fiscal years beginning on or after 1 January 2020. 6. The income tax expenses increased amount of Baht 1 million as in the same line as net

quarter owing to the close monitoring of debts and a proactive approach in asset quality management adopted by commercial banks. As of the end of the second quarter of 2018, net loans at 14 domestically

adopted in the textual analysis can be found in Li et al. (2021). Some of the keywords used in the analysis are as follows. For innovation, innovative, innovation, technology, creativity. For integrity

become more outcome-oriented to enhance business flexibility and reduce risks from overreliance on SEC discretion. Emphasis will also be given to efficient and timely monitoring system and actions taken on

Representative Concentration Pathway, a greenhouse gas concentration trajectory adopted by the IPCC SDG Sustainable Development Goals THB Thai baht TPI Transition Pathway Initiative WG-SF Working Group on