loans and purchase of fuel inventory. Operational cash flow has increased if we remove the change in working capital investment. Unit: Million Thai Baht (THB) 31st Mar 2020 31st Dec 2019 YoY change YoY

our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives, in order to deliver an excellent

; there is no longer a restriction on countries that can be invested in, and they are allowed to invest in endowment life insurance products, unit-linked insurance policies or universal life insurance

leveraging of our strength as Thailand’s number-one digital banking provider, with the aim of becoming the Customers’ Life Platform of Choice under our core strategy of Customer Centricity for our business

Performances of K Companies and Muang Thai Life Assurance PCL 28 4.6 Capital Requirements 29 4.7 Credit Ratings 30 5. Operations of Support Groups 32 5.1 Human Resource Management 32 5.2 IT Management 34 1 1

reservoir than that in Q2/2019. Gross profit of Sriracha Power Plant increased as a portion of the Availability Payment (AP) that is linked to USD increased due to THB depreciation. Additionally, revenue from

; (5) commercial banks; (6) finance companies; (7) securities companies; (8) life insurance companies; (9) foreign financial institution acting for its benefit or acting as representative of another

companies; 12 (8) life insurance companies; 13 (9) foreign financial institution acting for its benefit or acting as representative of another person having no domicile in Thailand; 14 (10) mutual funds; 15

May 1999. (Translation) -4- 11(7) securities companies; 12(8) life insurance companies; 13(9) foreign financial institution acting for its benefit or acting as representative of another person having no

flows from investing activities was negative due to the acquisition of Saraburi Quicklime however if we remove this large item year on year is approximately in line with Capex slightly below last year