million, declining by 4.8%. Deposits comprised of 66.9% of term deposits and 33.1% of current and saving accounts (CASA). Meanwhile, debts and borrowings were Baht 56,140 million, increasing by 14.6% from

to Baht 325,731 million, increasing 21.7% from the end of 2019. Deposits were Baht 223,815 million, increasing by 30.0%. Deposits comprised of 48.4% of term deposits and 51.6% of current and saving

deposits and 54.1% of current and saving accounts (CASA). Meanwhile, debts and borrowings were Baht 32,844 million, increasing by 15.9% from the end of 2020. Loan to deposits and borrowings ratio stood at

comprised of 48.4% of term deposits and 51.6% of current and saving accounts (CASA). Meanwhile, debts and borrowings were Baht 52,709 million, declining by 4.9% from the end of 2019. Loan to deposits and

.  Network OPEX & TOT partnership cost (net of revenue) was Bt18,642mn decreasing -2.3%YoY from saving on base rental from TOT partnership since Sep- 19 offset by increasing expense from 4G/5G expansion

1Q20, core service revenue was Bt33,090mn, flat YoY and -4.3% QoQ driven by growth in broadband offset with the drop in mobile. Continued network investment was offset with saving from tower and

movements triggered by internal and external risks  Intensified competition among financial institutions in savings and investment products that may affect overall liquidity in the banking system

15,386.7 35.3 Saving cooperative 8,435.0 11,510.0 (3,075.0) (26.7) Others 1,411.4 1,436.1 (24.7) (1.7) Total loans to customers net * 192,304.8 178,898.4 13,406.4 7.5 Note: * Total loans to customers net of

loans 20,696.8 20,828.0 (131.2) (0.6) Financial intermediation 40,737.9 43,623.3 (2,885.4) (6.6) Saving cooperative 11,394.0 11,510.0 (116.0) (1.0) Others 1,396.0 1,436.1 (40.1) (2.8) Total loans to

%. 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