travelers segment revenue declined further due to border closure and travel restriction. In addition, NBTC’s mandate for free data & voice in Apr-May caused significant drop in prepaid top up, while the

) (7.10) (1,001.88) 0.00 (1,001.88) Allowance for devaluation of inventories 39.95 0.00 4.20 0.00 44.15 44.15 Gross profit (loss) by segment 78.99 0.00 7.09 (2.20) 83.88 1.48 85.36 Segment income (%) 95.26

(948.15) 0.00 (948.15) Allowance for devaluation of inventories 2.55 0.00 0.00 0.00 2.55 2.55 Gross profit (loss) by segment 79.15 0.00 5.48 0.00 84.63 1.06 85.69 Segment income (%) 96.64 0.00 3.25 0.00

services (4,799.36) 0.00 (128.82) (17.44) (4,945.62) 0.00 (4,945.62) Allowance for devaluation of inventories 4.00 0.00 40.00 0.00 44.00 44.00 Gross profit (loss) by segment 568.22 0.00 51.90 (7.66) 612.46

(1,319.00) 0.00 (1,319.00) 0.00 (1,319.00) Allowance for devaluation of inventories 0.00 0.00 0.00 0.00 Gross profit (loss) by segment 136.25 0.00 136.25 0.93 137.18 Segment income (%) 99.94 0.00 99.94 0.06

services (1,283.14) 0.00 (1,283.14) 0.00 (1,283.14) Allowance for devaluation of inventories 0.00 0.00 0.00 0.00 Gross profit (loss) by segment 121.16 0.00 121.16 1.40 122.56 Segment income (%) 99.90 0.00

re-opening the telecom shops in malls. Meanwhile, price competition remained fluid as operators continued offering low-end unlimited data plans in prepaid segment. Despite these challenges, we

services (1,405.95) 0.00 (1,405.95) Allowance for devaluation of inventories 0.00 0.00 Gross profit (loss) by segment 108.37 1.40 109.77 Segment income (%) 99.93 0.09 100.02 Sales to Cost of Sales (%) 92.84

management while expanding into profitable segment with higher asset quality taking in careful considerations the economic conditions. The overall Bank’s loan portfolio as of end of 3Q20 expanded by 8.2% 2

came in under discount offerings targeting the work-from- home and student segment. Fixed broadband revenue grew strongly 27% YoY. However, QoQ growth decelerated with slower net add of 52,800 as