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member country executing the Memorandum of Understanding Concerning Cooperation and Exchange of Information on Cross-border Offers of ASEAN Collective Investment Schemes to Non-retail Investors or the

collection efficiency. Presently, there is an increase of the average of credit limit per case equivalent to 65.5% compared to the end of year 2017 (average from 18,380 baht to 30,423 baht). It’s also enhanced

collection efficiency. Presently, there is an increase of the average of credit limit per case equivalent to 65.5% compared to the end of year 2017 (average from 18,380 baht to 30,423 baht). It’s also enhanced

Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk Management 11  Market Risk Management 15  Liquidity Risk Management 17  Operational Risk Management 18

A-1 CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING AGENCIES THE BOARD OF THE INTERNATIONAL ORGANIZATION OF SECURITIES COMMISSIONS REVISED MARCH 2015 A-2 CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING

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of 2018. The sales of SIM card is continuously being good and shall reflect to the benefit from revenue of SIM distribution. Besides, under the aforementioned cooperation, the sales of mobile phone