line with our target of ~15%. ESG & Carbon Neutrality Carbon neutrality will be IVL’s key differentiator going forward, and we have laid out a strategy to include recycling, renewable energy, ethical

decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles

received 3 awards including: 1) Excellence in Low Carbon and Sustainable Business Index: LCSi in 2020 2) Thailand Voluntary Emission Reduction Program: T-VER from the first phase of the Central Utility Plant

percent. Non-interest income also increased by Baht 858 million or 1.51 percent, derived mainly from revenue from sales of securities, while net premiums earned - net and fees and service income decreased

low-carbon industrial factory from Thailand Greenhouse Gas Management Organization (TGO). The award was aimed at reducing greenhouse gas in the areas of Eastern Economic Corridor (EEC) and was done

-interest income, derived mainly from an extraordinary item from the sale of a bank subsidiary. Meanwhile, net interest income enjoyed ongoing growth, albeit at a decelerating rate, due in part to a reduction

, despite brighter growth seen in retail business loan, derived mainly from home and auto hire purchase loans – among the core loan products. Meanwhile, deposits rose even as loans fell, supported by an