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oil price throughout the quarter, leading to an inventory loss. However, despite the refinery Hydrogen Production Unit and Hydrocracking Unit temporary shut down, refinery’s average crude run remained

a leading commercial bank in Indonesia, offering a complete range of banking products and services to over 3.5 million retail, SME, and corporate customers. It is listed on the Indonesia Stock

DATE: 1 NPPG.015/2019 February 26, 2019 Subject Management’s Discussion and Analysis for the year 2018 Attention The President The Stock Exchange of Thailand Management’s Discussion and Analysis (MD