, decreasing over-year, but still within the set target of 3.2-3.4 percent. However, non-interest income fell Baht 405 million, or 2.61 percent over-year due mainly to decreasing net insurance premiums. Moreover

quarter again on target. We met our key financial objectives, such as EBITDA and net income, despite a very weak sugar season, via launching commercial sales of a new product, extending the export markets

focus on OOH platform to an integrated platform that combines the offline and online worlds. This new approach has proven effective in helping advertisers reach the exact target audience rather than

. The objective of this MD&A is to present the information and the explanation of financial status and operating results as of the date hereof. However, the information provided in this MD&A may vary if

40.32 percent, which was better than the target. Meanwhile, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced, the

: (1) “bond” means a secured bond, an unsecured bond, a convertible bond, a structured note or a subordinated bond, whether or not the issuer provides a bond holder representative; (2) “secured bond

, convenience, fast, and secured services". Moreover, the Company has adjusted its business into 3 groups, which are the Online Top-Up & Payment Business, the Banking Agent & Lending Business, and the

of Eye On Ads Company Limited, a wholly-owned subsidiary of MACO, to acquire 70.0% of COMASS Company Limited (“COMASS”) with a total investment of THB 355mn. With 19 years of experience, COMASS secured

added 10 new contracts into its office building portfolio, achieving our year-end target of 10 additional office contracts. Currently, VGI is the number 1 Office media player with a total of 172 buildings

shares of Thai British Security Printing Public Company Limited (the “Target” or “TBSP”) by the means of the conditional voluntary tender offer in accordance with the Notification of Capital Market