more convenience to customers and this also saved the Company’s operation cost. After the Cardless withdrawal service was launched in the fourth quarter of 2018, the Cardless transactions from both AEON

Specialized Bank (Cambodia) PLC grew by 11% from last year. In addition, the Company has been expanding more service channels providing more convenience to customers and this also saved the Company’s operation

by issuing debentures with fixed interest rate from 2.05 to 3.01 percent per annum to reduce financial cost and risk management from floating interest rate. As a result, the Company has saved interest

service channels providing more convenience to customers and this also saved the Company’s operation cost. For the Cardless transactions currently accounted for 25% of total personal loan sales. Total Sales

expanding more service channels providing more convenience to customers and this also saved the Company’s operation cost. For the Cardless transactions currently accounted for 31% of total personal loan sales

expenses until the end of Q3/2020 since retail traffic does not rebound to the pre-pandemic level. At the same time, the Company has also saved administrative expenses from offering head-office employee to