......................................................................................................................... 9 A Spectrum of Engagement Intensity ................................................................................................................11 Effective Letter-Writing

great emphasis on effective revenue generation from new malls, asset enhancement, coupled with efficient operating costs management. Currently, CPN manages 30 shopping malls with the net leasable area

classification may somewhat help ease the impact of deteriorating quality of normal loan to NPLs. Meanwhile, most banks are expected to emphasize efficient cost management and adjust their operating strategies in

placing a great emphasis on effective revenue generation and efficient cost management. CPN currently manages 30 shopping malls with the net leasable area (NLA) of approximately 1.6 mn sqm. In 3Q17, the

maintained effective operating cost control with cost to income ratio at 38% of total revenues. 5 Considering the Company’s separate financial statement, the operating and administrative expenses as a

other expenses were 2,035 million baht, increased by 112 million baht or 6% y-y due to increase of advertising expense 55% y-y. However, the Company still maintained effective operating cost control with

maintained effective operating cost control with cost to income ratio at 37% of total revenues. Considering the Company’s separate financial statement, the operating and administrative expenses as a percentage

the concession agreement) to financial liabilities which measured at amortized cost with effective interest rate. The Company recorded interest expense from the MRT Purple Line Project in the third

considering the balance of three dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. Along with this, we have prioritized

advancing digital age. For operating income in 2017, most commercial banks could maintain net interest margin (NIM) due to overall effective cost management despite the deteriorating quality of loans granted