prices of financial assets. We continue to emphasize proactive risk controls via the supervision of the Enterprise Risk Management Division, Assets and Liabilities Management Sub-committee and Risk

asset businesses operating before these two laws became effective which intend to continue operations must file an application for approval within 90 days of the effective date of these statutes. Approval

. ---------------------- Notification of the Office of the Securities and Exchange Commission Re: Arbitral Process Organized by the Office _____________ With regard to the Office’s providing of the arbitral process under the Derivatives

Office of the Securities and Exchange Commission Re: Arbitral Process Organized by the Office _____________ With regard to the Office’s providing of the arbitral process under the Derivatives Act B.E. 2546

includes supporting the preparers and developing the quality of audit firms and auditors on a regular basis. Audit quality and financial statements will be reviewed, and training sessions will be organized

stores in Bangkok continue to be affected by construction work for the mass transit system. In addition, the company has organized various promotional activities, such as the HomePro Expo during 15-24

provide smart personalized “Financial and Life Solutions” to the right customer at the right time. We continue our endeavor to deliver an excellent customer experience with ever-greater consideration of

the years, which led to otherwise avoidable damages and erosion of confidence in the capital market and the Thai economy as a whole. The SEC, therefore, will continue on with its timely and relentless

both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by

investors in the Thai capital market as well as bright prospect of listed companiesû future growth in 2004 is expected to continue. Highlights SECûs achievements in 2003 in terms of enhancing confidence in