the first six month of this year decreased only 30%. MK focused on controlling the spread of COVID -19 by upgrading the standards of the golf facilities and services to boost the confidence of the

focus on corporate governance assessment. We provide guidelines on increasing the proportion of women on boards and issuing anti-discrimination policies. This is in line with SET's vision "To Make the

only 2.4 percent, recorded as the lowest GDP growth among 5 years since 2014. (Source: Siam Commercial Bank). Additionally, The World GDP of 2019 expanded at 2.4 percent. (Source: International Monetary

customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. Focus has been on formulating area- based lending strategies to match the different natures of businesses in

turn affect demand for loans – especially business loans – which would likely put pressure on asset quality. Moreover, commercial banks may focus on customer base expansion and income earned from

lending are implemented. For deposits, pricing competition may be limited as most banks have turned their focus to improved capability in gaining access to new customers via electronic channels to boost

expectation, Not only exporting business but Travelling business also have trend to growing less than expected and moreover Thai foreign exchange rate of the Baht was appreciate that cause Financial

maintain as the leader of online top-up machines market, both in terms of number of kiosks and total usage amount. The Company's strategy continues to focus on the efficiency of Boonterm kiosk spot as well

” concept. Moreover, under the “Segment of One” concept, we focus on strengthening our capabilities by using data and advanced technology to understand and anticipate each individual customer’s need and

residential real estate market, especially condominiums which are popular amongst foreign customers who invest in real estate in Thailand, is also affected. As the company focus on developing projects with