which correspondent to the low level of Consumer Confidence Index, while household debt has steadily increased and anxiety for employment situation in the future, all these affected to the expenditure of

company is less than one percent of the total amount of the shares sold of that company; (9) being a person not having educational qualification, work experience or other qualification as specified in the

sectors, in particular tourism, manufacturing and exports. The situation eroded confidence of investors, leading to increased anxiety about a new round of economic crisis which prompted them to sell off

. However, people still have anxiety about the widespread of COVID-19 which affect the decision in going to the hospital, led to a significant decrease in regular patient traffic compared to the same period

the 2020 economy will decrease from -5.3% to - 8.1%, causing overall market uncertainty. The Company has adapted to support the situation by considering investing in the educational loan business. Under

the decline. Exports, in particular, shrank in line with signs of global economic weakness and anxiety surrounding the trade spat between the US and its major trade partners. Moreover, private

Company's income from education business was THB 75.8 million, decreased by THB 5.9 million, or 7.3% yoy. This is mainly due to a decrease in revenue from educational management as a result of the

) course (at least Level 1) during the past two calendar years prior to expiration of approval term; 2.2 Master’s degree or higher from educational institutions accepted by the Office during the past two

Analyst (CISA) or the Chartered Financial Analyst (CFA) course (at least Level 1) during the past two calendar years prior to expiration of approval term; 2.2 Master’s degree or higher from educational

Dedicated analysts/ working groups and clear senior leadership Regular ESG educational programmes/ modules and seminars ESG/ sustainability/ green bond or other thematic bond evaluations ESG indicators are