mainly from M Jatujak, Reflection Jomtien Beach Pattaya, M Silom and Manor Sanambinnam. - Management fee income in 2018 amounted 59.51 million baht increased by 19.52 million baht or 48.81% from 39.99

Reflection Jomtien Beach Pattaya. - Revenues from hotel operations in Q2/2018 amounted 62.37 million baht slightly decreased by 3.68 million Baht or 5.57% from 66.05 million baht in Q2/2017. - Management fee

from M Silom, Manor Sanambinnam and Reflection Jomtien Beach Pattaya. - Revenues from hotel operations in Q3/2018 amounted 62.40 million baht slightly decreased by 3.30 million Baht or 5.02% from 65.70

. Experiment 2: Social Proof Experiment Control: Cognitive Reflection Test (CRT) + Preference Elicitation Source: Authors’ design Expert recommen dation non-expert recommen dation Simple life insurance 1 2

cognitive reflection skills แตข่อเปลี่ยน “น่าจะ” (might also) เป็น “ควรจะ” (should also) • อยากเสนอใหร้ฐัและผูเ้ก่ียวขอ้ง ท าวิดีโอคลิปสัน้ๆ เป็นซีรสี ์ให้ คนตระหนกัและกลัวการ “แก่และจน” และรณรงคใ์หท้กุคน ออม

that select Big 4 auditors are firms that have higher reporting quality. As a result, without auditor factors, these firms innate fewer mistakes that require audit adjustments. For auditor factor

1,748mn and 273mn, respectively. Our robust operating and financial performance are a direct reflection of successful implementation of digitalisation strategy, strategic acquisitions as well as the

that NPLs/ NPAs that have been auctioned out during Q1/2020 was not a true reflection from the COVID-19 situation but rather the NPLs/NPAs accumulated from the past. The actual impact of NPLs /NPAs from

Q1/2020 was not a true reflection from the COVID-19 situation but rather the NPLs/NPAs accumulated from the past. The actual impact of NPLs /NPAs from COVID-19 would likely be seen around year- end

from the existing practice where Core EBITDA reporting precedes Reported EBITDA. Reported EBITDA is derived from and is a true reflection of Audited/Reviewed financial statements. Our MD&A starting this