been put in place, in order not to interfere with the retail market sales volume, the main sales channel. Constant growth can be observed in the retail sales volume from the customer base expansion

, electricity usage in industrial sector dropped by 5.4% due to lower demand especially in automotive and textile sector while cement sector still observed an increased electricity usage of 5.9% due to growing

, especially at the end of the third quarter of 2017. By then, another issue – guidelines for adjustment in the European Central Bank’s asset purchase program for 2018 – should be closely monitored. In Thailand

risks. We put in place more stringent customer approval criteria for commercial lending policies, and closely monitored borrowers, especially small and micro businesses, through appropriate

the COVID-19, which is closely monitored and is systematically handled. Furthermore, communications were consistently made to employees and associates, allowing businesses to still operate continuously

characteristics: (1) being assets or pledge taken into legal force and considered the condition of each category of collateral. The collateral shall have an ability to surpass the maturity date and being monitored

force and considered the condition of each category of collateral. The collateral shall have an ability to surpass the maturity date and being monitored by the bondholders’ representative. In case where

condition of each category of collateral. The collateral shall have an ability to surpass the maturity date and being monitored by the bondholders’ representative. In case where the collateral is not a

, settlement, and depository services with respect to securities reviewed, monitored, and examined, according to an examination plan specifically designed to suit the level of risks for the particular

design, competitive strategies, and treatment of employees and customers, etc. Such activities should be monitored to ensure compliance with at least relevant laws. In cases where CSR was affected by the