? competitive edge in the global financial market. On the business side, we are increasing collaboration and facilitation for new entries and offering new business models in line with the growing technology

and needs of financial literacy in the segment which has yet been reached; a promotion on financial planning and investment for retirement with focus on provident fund industry which has been growing

same quarter of the previous year (increased by 3.6 percent from Q3/2019), mainly due to the increased proportion of new season seaweed which accounted for decreasing costs, and the growing utilization

year and 7.6 percent increase from the 1st quarter of 2017. China, the United State and Vietnam are continue growing from the previous year. While the sales in Indonesian market plummeted during the 1st

Rationale • Deepens the Bank’s presence in Indonesia, the largest ASEAN economy with GDP of US$1.04 trillion3 and 267 million population with young working age population, growing middle and upper income

expenses (21,310) (23,658) 2,348 (9.9) (31,110) (26,080) (5,030) 19.3 Profit for the year 84,318 88,837 (4,519) (5.1) 111,074 103,007 8,067 7.8 Other comprehensive income Actuarial loss-net of income tax

so interest expenses have decreased. -3- (7) Statements of Comprehensive Income Profit for the year 2017 was amounted 4.38 million Baht compared last year was loss amounted 23.82 million Baht, a

expenses (21,310) (23,658) (2,348) (9.9) (31,110) (26,080) (5,030) 19.3 Profit for the year 84,318 88,837 (4,519) (5.1) 111,074 103,007 8,067 7.8 Other comprehensive income Actuarial loss-net of income tax

started its positive contribution to NPAT. Continued growth in digital services AIS digital services continued to scale in size focusing on growing user base both in consumer segment and enterprise

rate  Classification and measurements of financial instruments into following categories: Amortised cost, fair value through other comprehensive income (FVOCI) and fair value through profit and loss