• 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

Introduction & Overview 1 Monica Bae Regional Lead, Capital Markets CDP SEA & Oceania CDP is a global environmental impact non-profit working to secure a thriving economy that works for people and

CDP is a global environmental impact non-profit working to secure a thriving economy that works for people and planet. 11 ABOUT CDP CDP CAPITAL MARKETS | @CDP CDP runs the global disclosure system that

in line with thriving exports, and capital inflows into Thailand’s debt and equity markets, which was consistent with fund inflows seen in other emerging markets. Given these, the Thai Baht

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

time to be overcome. Moreover, several other challenges still lie ahead. These include intensified competition between banks and non-bank players amid the fast-changing technology, the National e-Payment

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