consumption and immediate utility. • A realistic and practical model for setting a self-discipline saving rate needs be developed. 2 Existing Recommended Rates • The RATEs – Berger (2013) >> a 10-percent rule

business was Bt799 mn, decreasing 5.2% YoY  Number of “Boonterm kiosk” was 129,208, decreasing 0.9% YoY  Total usage amount was Bt10,337mn, decreasing 0.8% YoY  Total average number of money transfer

average user spend- ing on digital content services. Even though the average number of digital content users per month in 3Q2022 was 5.79 million, up from the average users per month in 3Q2021 which was

bag of Thai words was developed for analyzing wordings in the KAM sections of 334 Thai-listed firms during 2016–2017. Literature review – The informative value of KAMS KAMs - Areas of higher assessed

Derivative Warrants | DJI28P2312B | DERIVATIVE PUT WARRANTS ON DOW JONES INDUSTRIAL AVERAGE ISSUED BY MACQUARIE SECURITIES (THAILAND) LIMITED LAST TRADING IN DECEMBER 2023 # B | Dow Jones Industrial

Derivative Warrants | DJI28C2312B | DERIVATIVE CALL WARRANTS ON DOW JONES INDUSTRIAL AVERAGE ISSUED BY MACQUARIE SECURITIES (THAILAND) LIMITED LAST TRADING IN DECEMBER 2023 # B | Dow Jones Industrial

Derivative Warrants | DJI41C2312C | DERIVATIVE CALL WARRANTS ON DOW JONES INDUSTRIAL AVERAGE ISSUED BY JPMORGAN SECURITIES (THAILAND) LIMITED LAST TRADING IN DECEMBER 2023 # C | Dow Jones Industrial

Derivative Warrants | DJI41P2312B | DERIVATIVE PUT WARRANTS ON DOW JONES INDUSTRIAL AVERAGE ISSUED BY JPMORGAN SECURITIES (THAILAND) LIMITED LAST TRADING IN DECEMBER 2023 # B | Dow Jones Industrial

Derivative Warrants | DJI28C2312C | DERIVATIVE CALL WARRANTS ON DOW JONES INDUSTRIAL AVERAGE ISSUED BY MACQUARIE SECURITIES (THAILAND) LIMITED LAST TRADING IN DECEMBER 2023 # C | Dow Jones Industrial

Derivative Warrants | DJI41C2312B | DERIVATIVE CALL WARRANTS ON DOW JONES INDUSTRIAL AVERAGE ISSUED BY JPMORGAN SECURITIES (THAILAND) LIMITED LAST TRADING IN DECEMBER 2023 # B | Dow Jones Industrial