may hinge mainly on recovery in economic activity. Amid the ongoing transition to the digital age in 2019, commercial banks may have to brace for intensified competition, especially in expanding their

the growth in sales of dessert cafés, which accounts for the largest share of revenue. The growth in sales of dessert cafés was mainly due to the improving COVID-19 situation and the recovery of

disclosure of financial information as categorized by business units, the income structure of the most recent year may be displayed instead. (For example, Business A and Business B generate 65 percent and 35

. (For example, Business A and Business B generate 65 percent and 35 percent of the total income respectively, and the clarification thereof is made with reference to the relevant notes to the financial

some customers. Labor costs have increased due to the minimum wage adjustment in April. In addition, there were significantly increased in trial cost and example product cost of new model in packaging

....................................................................................................................................................... ....................................................................................................................................................... ....................................................................................................................................................... ( - Specify the key features of the securit...

internal control measure concerning the process to drawdown the loan, for example, majority of collective body authorized to drawdown the loan should comprise disinterest directors. - If the management can

still affected by the oil price volatility in the global market. Despite the crude oil price recovery, the average crack spread between finished product and referenced crude oil price continues to decline

the spread of COVID-19, the company has prepared measures to ensure stability of the electricity and utilities systems, for example: the Business Continuity Plan: BCP, safe house preparation for field

eating-out and having desserts. The increase was also due to the growth in the number of branches and the recovery of incoming tourists. R E V E N U E : • The Company’s Gross Profit in Q3/2022 and 9M/2022