2019 and will be completed and ready for transfer to customers from 2024 onwards. Moreover, CPN announced re-development and renovation plan totaling 14 branches, 2 of which are re-development: 1

Grand opening of Phuket and Don Mueang branches The company officially opened the Phuket branch office on January 20, 2020. This branch office is responsible for managing the real estates and customers in

and Houses Bank Public Company Limited had the total of 108 branches which remained stable when compared to the year of 2019. Analysis of Operating Results In the third quarter of 2020, operating

and paid shares. 1.3 Grand opening of Phuket and Don Mueang branches The company officially opened the Phuket branch office on January 20, 2020. This branch office is responsible for managing the real

architecture, every branches of engineering which are civil engineering, structural engineering, transportation engineering, hydraulic engineering, oceanography engineering, hydrography engineering, water

, conclude, report, and control an operation in various development projects regarding architecture, every branches of engineering which are civil engineering, structural engineering, transportation

tools; and to design, evaluate, conclude, report, and control an operation in various development projects regarding architecture, every branches of engineering which are civil engineering, structural

and 18 SPAR mini marts, with goals to continually expand branches. Marketing business performance in Q2/2017 recorded EBITDA of THB 669 million, a decrease of THB 213 million (-24%) YoY from the lower

, with goals to continually expand branches. From the mentioned factors the marketing business recorded EBITDA THB 474 million, THB 133 million lower (-22%) YoY from lower marketing margin, and THB 195

commercial banks adapting their business models, adjusting their physical branches both in terms of number and type of service, while developing their digital banking channels. In addition, banks have been