was 42.3% decreasing from previous quarter, as a result of the ability to maintain profitability, the stock buyback, and the Company’s interim dividend payment. Quarter Quarter Quarter 3/2019 2/2020 3

the ability to pay of customers in the industrial sector. While the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and

than two years from the date of preparing such document evidences: (1) information of a customer using for supplementing the giving advice; (2) an evidence showing the delivery of document acknowledging

their concern on ability to manage liquidity and debt-servicing ability of households and businesses. Although the deterioration in credit quality affected profitability, Thai commercial banking system

at Baht 493.37 million and Baht 148.01 million based on a 30 percent share acquisition calculated based on the Discounted Cash Flow approach using a period of 22 years (2018-2039) with a discount rate

the Discounted Cash Flow approach using a period of 22 years (2018-2039) with a discount rate calculated from the weighted average cost of capital of 9.72- 11.28 percent per annum. In the acquisition of

percent share acquisition calculated based on the Discounted Cash Flow approach using a period of 22 years (2018-2039) with a discount rate calculated from the weighted average cost of capital of 9.72

through online communication system such as Facebook Live and YouTube within the country and overseas, as well - 12 - as utilizing mediation platform to avoid arrangement of various meetings, such as using

network has reached 76% of population across 77 cities, focusing on the high- usage areas and utilizing the 2600MHz and 700MHz to provide a superior customer experience compared to our peers. Additionally

With our aim to deliver a superior customer experience in coverage and quality, we executed 5G network rollouts utilizing 700MHz and 2600 MHz spectrum to cover 85% of the population in 2022. Our effort