was more difficult and varied than the previous year which effected higher cost. Therefore, the proportion of cost decreasing is less than the proportion of revenue decreasing. 6. Cost of goods sold

quarter of 2019 decreased by Baht 86 million or 70% decrease compared to the same period of 2018. This expense varied with the operating results (excluding share of profit from investments in associates) of

1/3 L-WAVE ENT 19/2019 14 August 2019 Subject : Management’s Discussion and Analysis for the six-month period ending 30 June 2019 operating results that varied more than 20% compared to the same

1/3 L-WAVE ENT 34/2020 7 August 2020 Subject : Management’s Discussion and Analysis for the six-month period ending 30 June 2020 operating results that varied more than 20% compared to the same

, along with increasing service channels to accommodate more diverse needs such as ‘ Shop4U’ ( a personal assistant service that enables customers to shop for products and services without having to visit

channel to allow greater access to more diverse group of mobile users. In addition, gross profit from digital content via telecommunication channels was THB 120.35 million, increased by THB 38.24 million or

.  “It is also inspiring to see the impact resulting from enhanced corporate leadership commitments to create more inclusive and diverse workplaces. We also recognize the slow but growing uptake of

banks to embark on a central bank digital currency (CBDC) to serve as the infrastructure for future financial innovation and diverse financial services.  3. Regarding the regulatory guidelines

cut its Fed Funds rate to a range of 0.00-0.25 percent – the lowest rate in its history – while also implementing quantitative easing measures through the use of varied tools to prop up the flagging US

% (2008-18) based on Bank Indonesia statistics 5 84.4 million unbanked population as of 2018 based on Euromonitor report Page 3 of 4 • Uniquely positions the Bank to capture new and expanding opportunities