objectives that CRAs, regulators, rated entities, obligors, underwriters, arrangers, and other market participants should strive toward in order to improve investor protection and the fairness, efficiency and

provide smart personalized “Financial and Life Solutions” to the right customer at the right time. We continue our endeavor to deliver an excellent customer experience with ever-greater consideration of

product levels on a continual basis. In addition, VBM has been applied to capital management to strive for the highest capital efficiency while ensuring capital adequacy under normal and stress scenarios

in support of the national policy of making Thailand a cashless society. We always strive to bolster our capabilities in providing services via digital channels to promote increased digital

is also proceeding according to plan, being 35% completed by the end of March. The construction is expected to be completed in 1Q 2020. Looking forward, we will strive to enhance asset value through (i

already commenced with the research and design stage. Looking forward, we will strive to enhance asset value through (i) expansion of hotels through asset-light strategy mainly via management agreement and

and cautiously to achieve our goal. Looking forward, we strive to enhance asset value via (i) expansion of hotel portfolio by an asset-light strategy through management agreement as well as procuring

margin to OSP beverage portfolio. Fit Fast Firm project (OSP’s cost saving program) is expected to deliver higher gross saving than planned and will strive for delivering margin expansion despite higher C

Thailand has advantages in terms of quality of medical organizations, treatment success rate, and reasonable costs. The Company and its affiliated hospitals strive to improve quality, product diversity, and

remains unchanged in building our foundation of ‘Cognitive Tech-Co’ and strive to deliver superior service excellence for our customers in all segments. • Mobile revenue remains under pressure – Heighten