the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and

asset quality management for its loan portfolio and focus on expanding into profitable segment with better asset quality taking into careful considerations the economic conditions. As such, the overall

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

mainly due to the change in accounting treatment on the partnership with TOT (see significant event). Excluding all costs paid to TOT, the focus on cost optimization continued to result in controlled

and +0.5% QoQ. Customer perception is gradually improving after the launch of AIS NEXT G and differentiated offerings. In addition, a focus on profitable segments resulted in strong postpaid net

the relocation of the head office - THB 270 million for the Mixed-Use Property Development Project • Expected to open 6 new hotels managed by Dusit International in 2018 it decreases from previous

provide an opportunity for overall real estate industry due to a potential lower cost for both, real estate developer and buyer. The Company’s focus is on developing projects to serve real demand for

- Despite the impact of COVID-19 pandemic, OSP managed to deliver Q1’20 Net profit* at THB 926 million (+4.2% YoY, +12.5% QoQ), with Q1’20 net profit* margin of 13.8% (-20 bps YoY, +140 bps QoQ), from the

. However, the Company had been managed inventories turnover to maximize efficiency. ▪ In the 2nd quarter of 2020, the Biodiesel’s ratio of cost of sales to total revenue was increased from in the 2nd quarter