released using a straight line method since 1Q20. With the continuing uncertainties from the economic slowdown and prolonged impact from 3 Including ECL for loans and loan commitments and financial
loan loss reserve after allowance for expected credit losses based on TFRS 9 at the initial date of TFRS 9 implementation was Baht 2,552 million which the Bank has partially released as additional
category in the annual On-Time Performance (OTP) Review released by travel data and analytics expert, Cirium. Samui Airport achieved an on time departure performance of 95.08% in 2019. 2. The Board of
and loans. The accounting policy, that was used to record and measure the value of financial tools, has been disclosed in the released notes to the financial statements. The Company has reduced the
Baht 1,604 million at the end of 3Q20 which the Bank had gradually released on a straight line method since 1Q20. 4 Including ECL for loans and loan commitments and financial guarantees 14 With the
increase awareness and accessibility of the brand. Branch expansion and pop-up store will continue to be 2020’s directions Enhancing customer experience through digital platform In 2020, After You will be
accessibility provided by the lessor but also any further lessor’s development along the whole leasehold life. LPH is responsible for its annual rental fee of Baht1 million commencing from the leasehold
SG&A expenses did not increase significantly. Management Discussion & Analysis Q3/2019 Q3/2019 Significant Events More Pop-Up Stores have been set up to increase accessibility to customers After
increase accessibility to customers As the trend of grab-and-go is becoming more popular among Bangkokians. After You has been attempting to capture this changing customer pattern to gain an additional