with access to the capital market for financial advice and planning. This is generally because limited service channels and expenses have been affordable mostly by high income earners. The strategic plan

SCB ASSET MANAGEMENT COMPANY LIMITED|Cross Investing Fund | Offering Date : 11/12/2019 - 17/12/2019

บริษัท หลักทรัพย์จัดการกองทุนไทยพาณิชย์ จำกัด|กองทุนรวมที่มีนโยบายเปิดให้มีการลงทุนในกองทุนรวมอื่นภายใต้ บลจ. เดียวกัน | วันที่เสนอขาย : 11/12/2562 - 17/12/2562

risk To manage returns better than savings deposits 1.3 Trade accounts receivable increased as at March 31, 2019 and March 31, 2018, equal to 451.32 million baht and 442.46 million baht respectively

stakeholders with non- controlling capability in subsidiary companies -5.33 -0.99% 6.09 1.42% -11.42 -187.63 Revenue from the Company's services for the 3 months period Ended 30 June 2019 and 30 June 2018 equal

2 Background • Development of investment portfolio theory • TPT, MPT and PMPT (Lekovic, 2021) • Modern Portfolio Theory (Markowitz, 1952) • Rational investor • Multiple Assets • Overall risk • The

implementing GESI? Women and men, girls and boys have equal conditions, treatment and opportunities for realising their full potential, human rights and dignity, and for contributing to (and benefitting from

Strategic Betas in use 36 Risk-based explanation Behavioral explanation Value Costly reversibility of assets inplace leads to high sensitivity to economic shocks in bad times Over-reaction to bad news and

phenomenon? 6/29/2015 6 6/29/2015 7 Growth-based Explanation Risk-based Explanation MBEB conveys positive information about future earnings (Bartov et al., 2002) Market rewards possibly are attributed to