rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onward. However, a change of customer behavior to be more

rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onward. However, the company focuses on promoting sales through online channels to

household sector increased due to the rush to transfer home ownership before the effective date of the revision of the housing loan regulation (LTV measure) on April 1, 2019, but demand for auto-leasing

, a decrease from 0.37 times from the end of last year, on lower net debt as mentioned above and on higher total equity from higher accumulated earnings. CPN emphasizes on the importance of effective

while other non-interest income declined yoy. Overall operating expenses also declined from effective cost management when comparing to the same period last year. The Bank continued to remain prudent when

changes, whereby urban population nowadays tend to spend more time outside their homes; the rapid increase of the number of Internet users; and the growing recognition of these media as effective

+166% Share of profit (loss) from investments in JV (3) (4) +21% (14) (11) -26% Tax expenses (income) (34) 20 -277% (57) 61 -194% Profit (loss) attributable to equity holders of the parent (124) 78 -260

expansion. In total, the Group opened a total of 100 new branches, divided into 71 equity branches owned by the Group and 29 franchise branches both domestic and international. Most new branches were under

, despite global and domestic economic uncertainties. Customers continue seeking solutions that enhance flexibility, enable effective cost management, and foster sustainable growth. Mobile business continues

distributor which is effective on 30 June 2019. During the period, the Company was unable to make any sales through traditional trade channel or assign a new distributor while the contract was still applicable