%. This increase was mainly due to staff cost of brand support increase in order to support the expansion of branch for both the restaurants which the company owns itself as well as franchise restaurants

Opportunity Given the COVID- 19 outbreak that is widely affecting and continuing, the Company has launched debt moratorium programs to support our debtors. However, although the relief measures would indeed

affecting and continuing, the Company has launched debt moratorium programs to support our debtors. However, although the relief measures would indeed affect the Company’ s revenue stream, the Company views

customer engagement in order to reinforce our digital banking leadership, in support of the national policy of making Thailand a cashless society, we launched a “No Fees” campaign for funds transfer, top-up

, which helped support investors’ confidence. This is despite the fact that this factor, coupled with the stable policy rate, resulted in increased volatility in money and capital markets as well as foreign

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

25 4.4 Treasury Operations 29 4.5 Capital Requirements 29 4.6 Credit Ratings 31 5. Operations of Support Groups 33 5.1 Human Resource Management 33 5.2 IT Management 35 1 1. Overview of Operating

in support of the national policy of making Thailand a cashless society. We always strive to bolster our capabilities in providing services via digital channels to promote increased digital

Position Analysis 24 4.3 Loans and Deposits 26 4.4 Treasury Operations 30 4.5 Capital Requirements 30 4.6 Credit Ratings 32 5. Operations of Support Groups 34 5.1 Human Resource Management 34 5.2 IT

Operations 27 4.5 Capital Requirements 27 4.6 Credit Ratings 29 5. Operations of Support Groups 31 5.1 Human Resource Management 31 5.2 IT Management 32 1 1. Overview of Operating Environment 1.1 Global and