Card, for card activation, transfer of accumulated points to our business partners’ loyalty programs, redemption of KBank Reward Points via K PLUS Market, and other marketing activities via digital

%. A decrease in the peak demand was mainly influenced by the lower temperature than previous year and the success of implementing energy saving programs, which had pushed down the power consumption

Opportunity Given the COVID- 19 outbreak that is widely affecting and continuing, the Company has launched debt moratorium programs to support our debtors. However, although the relief measures would indeed

to customers will end during 4Q20 onwards, relief period for some customers have already ended during 3Q20. Total customers exiting relief programs at the end of 3Q20 was approximately 15% of total

affecting and continuing, the Company has launched debt moratorium programs to support our debtors. However, although the relief measures would indeed affect the Company’ s revenue stream, the Company views

Underway Amidst the recovery in the economy and our industries, we remain focused and committed to the various transformation programs that IVL embarked on in 2020. We are making good progress on our journey

beverage at +15% YoY. CPN will continue to focus on the implementation of energy savings programs in order to lower costs to total revenues from 2016, though the electricity tariff (Ft tariff) gradually

our various offers, focusing on quality, discovery and innovation. We are working on expanding our prepared food offer in the cafes and continue to enhance our beverage and retail programs to become

on quality, discovery and innovation. We are working on expanding our prepared food offer in the cafes and continue to enhance our beverage and retail programs to become leaders in the market with our

program, in which the Company and its affiliated hospitals have been participating in all three types of quarantine programs until the situation has been restored. 2. Healthcare Industry Trend in Thailand