). The study was conducted to tackle two key research questions: (1) impact of change in saving rate from fixed percentage of the salary to values inversely proportional to age where saving rate decreases

statement of equity change of the shareholders, and the annual cash flow statement 2015 due to inefficient internal control system with regard to the cost of sales and the inventory of 2014 and insufficient

change mitigation targets under the Paris Agreement, as referenced in the Thailand Taxonomy.

Q3/16 Q2/17 Q3/17 Change +/(-) 9M/16 9M/17 Change +/(-) (Unit: THB million) QoQ YoY 9M Operating revenue 5,176 5,459 4,243 (22%) (18%) 16,214 15,067 (7%) Gross profit 1,046 1,256 1,199 (5%) 15% 3,485

and has registered as an oil trader under Section 7 of the Fuel Trade Act B.E. 2543 since the September 9, 2020. However, the Company aware of the price fluctuation risks, has set the policy determined

Baht compared to net profit of 133.26 million Baht in the 1st quarter of 2020. The Company’s net profit has decreased by 18.87 million Baht or 14.09 %. However, the Company aware of the price fluctuation

of the existing and new manufacturer's installed capacity. However, the Company aware of the price fluctuation risks, has set the policy determined especially in raw material procurement procedures

the following factors: reliability of the mutual fund’s source of income, competitiveness and fluctuation of the business in which the fund invests, diversification of the fund’s investments

/02/62 14:27 น. 5 Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) Year Change 4/2018 3/2018 4/2017 3/2018 4/2017 2018 2017 (%) Net profit * 8,101 9,030 8,496 (10.3

Highlights in Q2/2019 1 Q2/18 Q1/19 Q2/19 Change +/(-) 1H/18 1H/19 Change+/(-) (Unit: Million Baht) QoQ YoY Operating revenue 6,587 9,067 19,990 120% 203% 12,329 29,057 136% Gross Profit 1,836 2,493 6,011 141