from the adoption of new accounting standard. As of 31 March 2020, the company had total shareholders' equity of 5,151.9 million baht, a decrease of 80.6 million baht or a decrease of 1.5 percent due to

non-compliances were resulted from failures to record employee benefit obligation in accordance with Thai Accounting Standard No. 19 ?Employee Benefits? prescribed by Accounting Standard Committee

to extend our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives. To this end, we work to

the first-time adoption of Thai Financial Reporting Standard 17: Insurance Contracts (TFRS 17) on 1 January 2025. Consequently, the auditor was unable to review the source of input data, the

our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives, in order to deliver an excellent

platform that can meet customers’ needs in every aspect of their lives by leveraging our strengths as Thailand’s number-one digital banking provider and enhancing our services under three-pronged approach

extended our aspiration to become the most-preferred platform that can meet customers’ needs in every aspect of their lives. All of these endeavors aim to understand and anticipate each individual customer’s

230,062 1.80 TISCO Bank 285,305 1.42 218,433 1.56 228,608 1.79 Land and Houses Bank 230,548 1.15 165,018 1.18 151,569 1.19 ICBC (Thai) 215,797 1.07 129,823 0.93 110,246 0.86 Standard Chartered Bank (Thai

195,216 1.45 225,559 1.80 Land and Houses Bank 238,658 1.26 168,171 1.25 158,118 1.26 ICBC (Thai) 199,700 1.05 102,142 0.76 106,306 0.85 Standard Chartered Bank (Thai) 151,860 0.80 61,351 0.46 32,449 0.26

give advice for those who are interested to operate business from now in order to make them understand standards in each aspect. This will be preparation for submitting applications for licenses once