endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the
needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer
understand their needs, paid more attention to building good relationship with all groups of customers and offered integrated financial products and services as to respond to each segment explicitly. The bank
capture the ultra luxury customer segment as well as growing customization ability for customers. Management Discussion and Analysis (MD&A) for the year ended 31 December 2019 F IN A N C IA L P E R F O R M
margin declined yoy due to the lower operating results of each business segment (except food business). Despite the lower interest coverage ratio in 1H19 compared to 1H18, the Company expects to see
plans were delayed from the original plan, most of which should have been launched since at the end of Q2/2018. Figure 2: MAT Jun 2018 RTD Fruit Juice Market Value breakdown by Market Segment Premium
, only securities traded on Wholesale Debt Market (WDM) segment 3 ซ่ึงสวนหนึ่งอาจเกิดจากหลักเกณฑการออกและเสนอขายตราสารหนี้ทีย่ังไมยดืหยุน เชน เกณฑการเปดเผย ขอมูล (การยื่นแบบ filing) และการจัดอัน
building good relationship with all groups of customers and offered the financial products and integrated services as to respond to each segment explicitly. The bank will consider granting the loan types