sector contracted sharply due to international travel restrictions. Therefore, the Thai economic recovery would take time to return to pre-pandemic levels. The first nine months was a challenging period

Partnership – The Digital Shopping for The New Normal BAM; on June 01, 2020, the Company launched an online marketing campaign via Shopee to capture the demand of customers in E-commerce market. 1.3 Annual

(AEC) and the digital age, along with external changes, especially global economic fluctuations, as well as volatility in the Baht and interest rates. Businesses have had to contend with impacts of

and wellness tourism, agriculture and biotechnology, robotics, aviation and logistics, biofuels and biochemical, digital, and medical hubs. The promotion of these industries comes with investment

fees and service income to operating income ratio 21.2% 23.9% 21.3% (2.7)% (0.1)% 22.5% 22.7% (0.2)% Expense to operating income ratio 45.3% 42.6% 42.8% 2.6% 2.4% 44.0% 41.4% 2.6% Return on average

ratio 42.8% 39.9% 45.8% 2.9% (3.0)% 41.4% 43.3% (1.9)% Return on average assets * 1.16% 1.17% 1.07% (0.01)% 0.09% 1.17% 1.10% 0.07% Return on average equity * 9.16% 9.05% 8.38% 0.11% 0.78% 9.12% 8.61

income ratio 21.2% 21.3% 23.2% (0.1)% (2.0)% 22.2% 23.5% (1.3)% Expense to operating income ratio 43.5% 42.8% 41.9% 0.7% 1.6% 42.1% 42.8% (0.7)% Return on average assets * 1.14% 1.16% 1.06% (0.02)% 0.08

Gasohol S EVO FAMILY, and simultaneously elevated its E20 S EVO to premium qualities under the same price. Furthermore, the innovative Digital Payment system was brought in to provide payment service that

liability company incorporated under the laws of Thailand which engages in static billboard and digital LED advertising media business, by purchasing 500,000 existing shares with a par value of THB 100 per

engages in static billboard and digital LED advertising media business, by purchasing 500,000 existing shares with a par value of THB 100 per share, equivalent to 50 percent of the total shares of Hello LED