as commercial banks are expected to maintain a cautious stance in their business operations, especially through a proactive approach in asset quality management. Over the short term, however, they may

เชิงรุก (proactive) เช่น ความพยายามเข้าถึงหรือใช้งาน ระบบสารสนเทศที่ผิดปกติ ซึ่งจะช่วยให้สามารถ เตรียมพร้อมรองรับความเสี่ยงดังกล่าว ได้อย่างทันต่อเหตุการณ์ ทั้งนี้ ผู้ประกอบธุรกิจ อาจใช้เคร่ืองมือหรือ

Cambodia and to connect payments between Cambodia and Thailand; and the revision of policies and principles governing housing loans in Thailand as a proactive measure to promote financial stability, etc. 5

the growth plan, the company has planned to use proactive strategy to run power innovation and utility business under PTT Group (The Innovative Power Flagship of PTT Group) that will continuously grow

further the efforts when ready and, when applicable, prioritize and incorporate proactive initiatives into the corporate strategic plan, and disclose progress reports for the benefit of sustainable business

whole entire year.  The refinery business had an inventory loss of THB 1,489 million (including lower of cost or market (LCM) THB 689 million) from the sharp decline of crude oil price in the global

quarter, which has led to retail prices at service stations aligning at an appropriate level to the cost of finished oil products. While marketing margin in Q2/2018 was highly affected by the sharp rise in

appreciated. Whereas in 2018 inventory loss was recorded at THB 1,489 million (including lower of cost or market (LCM) THB 689 million) due to the sharp decline of crude oil price in the global market between

the COVID-19 crisis that has spread across various countries in the world. This has caused crude oil price in the global market to sharp deteriorate since late Q1/2020 continuing into Q2/2020

the previous year. As Q3/2018 experienced sharp spikes in global crude oil price, coupled with the government measures to appoint retail Diesel price ceiling at THB 30 per liter, resulting in a