, Call center, Pick-up Counters and drive through pick-up stations to facilitate safety and convenience for customers including preventive measures in our shopping malls. The Company provided rent waivers

stringent customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. We continued to prioritize risk assessment through prudent screening and close monitoring of

loans and other consumer loans is likely to pick up. Meanwhile, auto-leasing loans will be driven by demand for automobiles from groups that have not been badly affected by the Covid-19 situation, and

to complete the aforementioned assessment within the expected date of 31 January 2018. Flexiglass operates pick-up truck parts and accessories distribution business in Australia where its currently has

Solution is slower this year, which we expect to pick up in next quarter for jobs in the pipeline. Cost and Gross margin Cost of sales and services Jan-Sep 2018 Jan-Sep 2017 THB (m) Gross margin (%) THB (m

, “Management Report”. B prudent consideration on factors in line with uncertainties stemming from the continued economic slowdown. At the end of 2019, our robust capital position was sufficient to cushion

do foresee that this business will pick-up in Q4 and next year, even if the sector in general remains under stress, as our new pioneering flux product gains traction replacing imported alternative

/or Audit Committee which is different opinion from the Board of directors None The Company certifies that all information contained in this information memorandum is true, accurate as well as prudent

this information memorandum is true, accurate as well as prudent and depending on maximizing of shareholder interest. In addition, the proposed of this information memorandum is for providing information

while other non-interest income declined yoy. Overall operating expenses also declined from effective cost management when comparing to the same period last year. The Bank continued to remain prudent when