fluctuation can incur costs to users and recipients e.g. digital asset conversion fees.1.2) IT risk: Consumers may face cyber theft, personal data leaks, or opportunity cost in instances of system failure

which may affect international trade and exchange rate fluctuation. According to the Bank of Thailand data, at the end of December 2017, reported the total numbers of credit card industry amounted to 20.3

card business in 2016, the key sector which make up the growth of credit card business. Focusing on card recruitment activities, the Company has developed more card recruitment channels including setting

bad debt and doubtful accounts was mainly from the expansion of our loan portfolio and increased in writing off the bad debt. Moreover, the Company has developed a new collection to improve debt

developed in the previous years i.e. 58% residential condominium projects and 32% single house projects. 1. Residential Condominium 3,800 2,100 5,900 2. Single House 1,800 2. Single House 1,100 - 1,100 3

impact from fluctuation of exchange rate . 2. Sales cost to revenue ratio increased by 1.36% (from 96.22% to 93.58%). 3. Gain from foreign exchange increased by 64.87 million baht (from loss 26.43 million

repayment in April 2020 and to mitigate risk from the money market fluctuation during COVID-19. However, compared to the six- month period of 2019, the finance cost in the same period of 2020 increased by 0.7

lease of natural gas power plant and partially from realized gain on exchange from payment for machine and spare parts for the under- developed projects to foreign suppliers. During the period first

viewed at https://sustainablefinance.sec.or.th/Bond . The SEC has developed and launched the “ESG Product Platform” in January this year to be used as a comprehensive and alternative information

-retail offering rules already in force, the ASEAN CIS cross-border offering rules will be comprehensive and more user-friendly. The proposed drat rules have been developed under the ASEAN Capital Markets