information; (5) in respect of any area in which the financial advisor has no expertise but is required to prepare or jointly prepare or render opinion in that area as financial advisor, the financial advisor
particular area. 2.5 The board of directors comprises of independent directors who are knowledgeable, reliable and truly independent in performing the duties. For example, the independent directors should have
to serve lower consumer purchasing power and grow the business. Enterprise business was the key growth area for many operators which captured the digitization trends in businesses and consumers. All
3 more branches in the Bangkok area to access target customers even more comprehensively. International Expansion During the second half of 2023, the Company plans to open the second After You Dessert
served as a reception area and workspace for customers, which can also be used as a space for hosting of various activities that allowed the Company to progressively engage with customers. Recently, the
2024, the Company began selling its own product “Butter Bun” in 7-Eleven convenience stores across Bangkok, metropolitan area, and the Southern region. The Company plans to increase production capacity
advancing digital age. For operating income in 2017, most commercial banks could maintain net interest margin (NIM) due to overall effective cost management despite the deteriorating quality of loans granted
decrease in income from insurance business. Our coverage ratio rose over-year, while gross NPL ratio decreased slightly from the end of 2017, despite the deteriorating quality of loans granted to certain
improved from the same period of the previous year by THB 15 million, as it was a high season in Q1/2019, resulting in the increased wind speed within the project’s area. Management Discussion and Analysis
higher wind speed from 2 Tropical Depressions traveled into the area. However, in Q2/2017 share of profit was recorded for 6 months from January to June 2017 after BCPG Plc. has successfully received