amount of net cash flows used in operating activities was 90.3 million baht. The major movement was due to a decreasing amount of unearned income. Cash flows from investing activities As of 31 March 2020

and cross-border movement restriction will continue to push for telecom demand. However, potential rise in unemployment and businesses shutdown could post a negative outlook for telecom . In addition to

introduced customized financial services and innovations that provide greater customer convenience, speed and reliability with ever-greater consideration of consumer protection and customer privacy. Being

Draft Amendment of the Labor Protection Act. The impairment loss on loans and debt securities fell by Baht 2,581 million. Compared with the fourth quarter of 2017, net profit attributable to owners of the

bags in Thailand effective from January 1, 2020. Therefore, the business sector is at risk from both natural disasters and government policies regarding environmental protection. However, new

market items 310 307 235 1.0% 31.9% 1,115 1,104 1.0% Contributions to the Deposit Protection Agency and Financial Institutions Development Fund 2,429 2,442 2,277 (0.5)% 6.7% 9,617 9,127 5.4% Debt issued

, independent analyses and opinions by CRAs.2 This, in turn, is designed to promote the three core objectives of securities regulations identified by IOSCO: the protection of investors; ensuring that markets are

for investor protection. In this regard, the SEC Office may prescribe conditions with which the Thai government agencies shall comply. Clause 10 In cases where additional facts appear to the SEC Office

Exchange of Thailand, as follows: (1) Fair business practices (2) Anti-corruption (3) Human rights protection (4) Equitable labor treatment (5) Responsibility to consumers (6) Environmental protection (7

)% 3.6% Interest expenses Deposits 5,288 5,616 5,102 (5.8)% 3.6% Interbank and money market items 405 310 257 30.6% 57.6% Contributions to the Deposit Protection Agency and Financial Institutions