() • TCFD is not just a climate disclosure framework, but it can be a strategic management framework - To help organization manage risks and opportunities in a more forward looking way • To comply with the

with existing principles and leveraging available tools and frameworks. The Standards aim to help shift enterprises from SDG alignment to SDG action -- from thinking about the SDGs as a mere “add-on”, to

Principles on integrated business reporting 8 Part 2: Guidance on disclosure 11 2.1 Forward-looking 11 2.2 Material, relevant and timely 11 2.3 Long-term strategy 12 2.4 Integrated reporting 12 2.5 Key

Global and Thai Economy in the Third Quarter of 2019 1 1.2 Banking Industry and Competition 2 1.3 Significant Regulations and Rules related to Business Operations 2 2. Risk Management and Risk Factors 5

affect the organization’s significant impacts on the economy, environment and people Reporting on the sub-set of sustainability topics that are material for enterprise value creation Source: Adapted from

identify as early as possible problems that put significant investment value at risk. If they have concerns they should seek to ensure that the appropriate members of the investee company’s board or

quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Second Quarter of 2019 1 1.2 Banking Industry and Competition 2 1.3 Significant

development of new products with more complexity which requires additional criteria; for instance, structure of return on investment and warning of complex features and significant specific risks associated

Environment 1 1.1 Global and Thai Economy in 2019 and Outlook for 2020 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Significant Regulations and Rules related to Business Operations 5 2. Risk

revised upward the 2017 global economic projection to 3.7 percent, and projected that the world economy may see even brighter growth of 3.9 percent in 2018. Looking forward into 2018, economic activity