& SSME 19,737.7 19,121.2 616.5 3.2 Retail 22,097.3 22,273.6 (176.3) (0.8) Total loans to customers net of deferred revenue * 174,312.2 178,898.4 (4,586.2) (2.6) Note: * Total loans to customers net of

effect of related transactions is presented in Note 2 of financial statements 3. On 5 March 2020, AIS entered into a joint venture with Singtel Telecommunication and SK Telecom Co, Ltd . The new joint

or execution of such agreement. The portfolio duration does not exceed 92 days. [Note: A Thai Money Market Fund would typically fall under this category.] ▪ Investors who seek returns equivalent to

these securities does not exceed 397 days from the date of investment in assets or execution of such agreement. The portfolio duration does not exceed 92 days. [Note: A Thai Money Market Fund would

exceed 397 days from the date of investment in assets or execution of such agreement. The portfolio duration does not exceed 92 days. [Note: Money Market Fund that invests solely in domestic securities

mentioned the required ratio that the company needs to adhere to.The detail of debt obligation of the company can be found in note NO.18 to the financial statement. Asset turnover: The inventory was

Note: 1/ EBITDA from Refinery Business of the Company, BCP Trading Pte. Ltd. and Bongkot Marine Services Co., Ltd. 2/ EBITDA from Marketing Business of the Company, Bangchak Greenet Co.,Ltd., Bangchak

มีสญัญาซือ้ขายล่วงหน้าแฝง (Structured Note) และตราสารหนีท่ี้มีอนัดบัความ น่าเช่ือถือต ่ากว่าท่ีสามารถลงทุนได้ (Non-investment grade) และตราสารหนีท่ี้ไม่ได้รับการจดัอนัดบัความน่าเช่ือถือ (Unrated) รวมทัง้ตราสาร

ขึน้อยู่กบัดลุยพินิจของผู้จดัการกองทนุ นอกจากนี ้กองทนุอาจลงทนุหรือมีไว้ซึง่ตราสารท่ีมีสญัญาซือ้ขายล่วงหน้าแฝง (Structured Note) และตราสารหนีท่ี้มีอนัดบัความ น่าเช่ือถือต ่ากว่าท่ีสามารถลงทุนได้ (Non

universities and hospitals. Of note, KBank signed a memorandum of cooperation with two universities to support co-learning spaces and applications design tailored to each university that may also serve as a