delivery platforms. • Selling expenses to total revenue in Q1/2020 was 34.5% which increased by 8.5% from Q1/2019. The increase was due to the decline of dessert café sales as a result of COVID-19 impacts
enterprise segment focuses on core products like connectivity, 5G digital infrastructure, and platforms, aiming for higher margins through collaboration with targeted industries. Market and Competitive
earnest, while also seeking new partners in order to ensure increased income and customer base, especially by providing financial transactions via online channels and multiple platforms. 3 1.3 Significant
transactions via multiple platforms in a highly competitive environment. At the same time, the core business of loans is likely to see limited growth pending clearer signs of economic recovery. Home loan and
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