0.5 percent of the total Thai workforce. This group of workers falls short of their work potential, having more time and seek to work full-time job. It is a real challenge for Thailand to enhance the

concerning the categories of news and content that the Company has expertise in, and production of program contents, including the relevant businesses which have a potential for growth and support the

contents, including the relevant businesses which have a potential for growth and support the Company’s core business in order that the Company is able to further continuously operate the business and be

Commercial Banking In 2019, the Thai economy grew at a slower pace than the previous year and below its potential. Growth is estimated at 2.5%, the lowest level since 2015 and a significant drop from 4.1% in

investors to lose the invested money or receive return at a lower than expected rate. In this regard, the Company shall explain the nature of such risk, the circumstances leading to such risk, potential

million baht or 5% from last year. This was the result of the Company has cooperated with many high-potential leading business partners to increase member base such as issuance of Big C Platinum payWave

to speculate on the exchange rate but continues its prudent policy in the full hedging on net position of each currency’s exposure to minimize potential impact from exchange rate fluctuation. Source

business toward a potential segment. J Ventures  Decentralized Digital Lending Platform expected to complete by scheduled and expect to realized its revenues in 2019 once the system commercial implement

potential impact from exchange rate fluctuation. Source : Bank of Thailand Cost of sales and expenses Cost of sales In 2019, cost of sales accounted for 79.5% of total sales, higher than that of 2018 and 2017

from data analytics, enabled banks to target, attract and engage customers using more sophisticated techniques. Banks cooperated with potential partners across industries to gain new opportunities and