digital media, which is changing how consumers use financial services. The changing nature of financial transactions make it more convenient and faster for consumers to make payments, transfer and raise

reduction in cash payments, starting with the PromptPay system for person-to-person fund transfers and PromptPay for businesses, in January and March 2017, respectively. The extent to which this lower fund

reduce cash payments, starting with the PromptPay system for person-to-person fund transfers and PromptPay for businesses, which were introduced in January and March 2017, respectively. The extent to which

the Bank for the first nine months of 2019 of Baht 27,814 million net of dividend payments in 2019 totaling Baht 12,093 million. The payments consisted of the final dividend payment for the 2018

payments. Agenda 4 To consider and appoint new directors to replace the directors who have retired from office upon the expiration of their term of office. In this year, the five retired directors are: 1) Mr

were payments for dividend to the company shareholders’ of Baht 259 million for the purpose of capital restructuring, repayment to financial institutions for long-term loan of Baht 115 million, short

to increase in major expenses including (1) employee’s remuneration package and rental payments in respect of distribution centers and fleet of cash vans (2) marketing and promotional expenses in

96.6% in the corresponding period last year. The considerable rise was due to increase in major expenses including (1) employee’s remuneration package and rental payments in respect of distribution

THB 282mn from acquisition in COMASS by MACO, 2) equipment –net of THB 118mn and 3) advance payments for purchase of assets of THB 85mn. Trade and other receivables were THB 851mn, an increase of THB

a near-zero margin contribution. This will partially be offset with a full- year recognition of payments to TOT for the use of spectrum, towers, and equipment. Overall, we expect the consolidated