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improvement. Compared to the prior quarter, the figures edged higher in line with increased brokerage fees from securities business, bancassurance fees and management fees. NPLs to total loans edged up slightly

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of Jan - Dec 2019 = 2,706.44 million Baht Revenue of Jan - Dec 2019 = 4,680.08 million Baht EASTERN WATER RESOURCES DEVELOPMENT AND MANAGEMENT PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS