• Financial literacy does not lead to QoL directly • Financial literacy needs to be redefined to include “Digital literacy” • One needs to have willing attitude to learn new things to overcome risks

Brand Growth Strategy Dominate Digital Payment Reimagine Commercial & Consumer Lending Democratize Investment & Insurance Penetrate Regional Market Net Zero Society Net Zero in Own Operations Decarbonized

overcome this situation such as the adjusting caravan to mobility service center for repairing of the broken screen on mobile phone, shifting its marketing effort to provide caravans in both beach and

to overcome this situation such as the adjusting caravan to mobility service center for repairing of the broken screen on mobile phone, shifting its marketing effort to provide caravans in both beach

challenges to engaging with sovereigns, some of which can be overcome better than others Barriers to Engagement SEC Classification : ใชภ้ายใน (Internal) 17 Source: PRI ■ Bondholders cannot engage with issuers

6 7 25 -2 7 28 -3 0 31 -3 3 34 -3 6 37 -3 9 40 -4 2 43 -4 5 46 -4 8 49 -5 1 52 -5 4 55 -5 7 58 -6 0 5.1 5.7 6.3 6.7 6.8 6.9 6.9 6.9 6.9 6.7 6.3 5.7 Saving over the life cycle Insurance dominate

harmoniously combining technology and talent” Customer Promise 5 Confidential Growth Strategy Key Capabilities Purpose Strong Brand Dominate Digital Payment Reimagine Commercial & Consumer Lending Democratize

ควำมจ ำเป็น ที่จะต้องถือหน่วยลงทุนเกิน 1 ใน 3 2) ขอควำมชัดเจนเกี่ยวกับกลไกในกำรป้องกันมิให้ผู้ถือหน่วยลงทุนที่ถือหน่วยลงทุน เกิน 1 ใน 3 dominate กำรจัดกำรลงทุนของ บลจ. ทั้งนี้ ในทำงปฏิบัติ บลจ.ไม่ได้เปิด

overcome the COVID-19 crisis With the dramatic impacts from COVID-19 on people and communities around the world, B.Grimm stands with all stakeholders to overcome this crisis together. We have set up the

440,105 firm-quarter observations. To calculate future earnings variability , the final sample is 215,532 firm-quarter observations between 1976 and 2009. • While it is impossible to overcome this problem