rational investment decisions but their decisions are usually influenced by several factors and restrictions; emotion, beliefs and biases, for example. Those factors and restrictions cause investors to

global effort to reduce carbon emissions leading to global warming. SEC has therefore upgraded the Online Fund Approval and Management System (“OFAM”) to accommodate paperless filings.Businesses can

mutual fund. Such factors include emotion, personal belief and attitudes toward different channels of savings and investment. For example, some investors prefer low risk, principal guaranteed investment

information. • Recognise that human characteristics such as emotion can have an impact on investing decisions in unanticipated ways. • Recognise that discipline in investing can minimise behavioural biases. 7

front, new technologies will also be applied for capital market development and supervision and for upgraded cybersecurity. (3) Capital market’s prospects are steered towards sustainability through the

Rating for the year 2019, be acknowledged. TRIS Rating upgraded the Company rating and the ratings of the Company’s outstanding senior unsecured debentures to “A” from “A-”. The rating upgrade reflects

governance (ESG) issues Market Conduct and Customer data security and privacy Business operations defined by good corporate governance practices 8 Upgraded ESG Environmental Key Performance Indicators

to the investment in machinery of new production line, and Intangible assets increase Baht 0.92 million due to upgraded the accounting software to current version. 2. Total liability, the company had

upgraded the CPN’s rating and debentures to “AA” with “stable” outlook. As of 30 September 2017, outstanding interest-bearing debts was THB 17,967 mn, comprising of 78% fixed and 22% floating interest rates

year, representing a seven-year high and it remains a driving force of the economy this year according to the Bank of Thailand. GDP has again been upgraded from 3.8-4% to 4-4.5% which is positive for the