three major loan products. In detail: (1) K-Home Loan: To improve our customers’ access to loans, we extended repayment period for K-Home Loan for Multi Purpose to 30 years in order to cut their monthly

Bangchak Corporation Plc. Management Discussion & Analysis of Business Operation For the 2nd quarter ended June 30th, 2019 Management Discussion and Analysis of Business Operation for Q2/2019 Bangchak Corporation Plc. I 2 03 Table of Contents 06 08 22 25 27 29 Executive Statement Summary of Income Business Performance 8 - Refinery & Trading 13 - Marketing 15 - Power Plant 17 - Bio-based Products 20 - Natural Resources Financial Position Statement of Cash Flows Statement Financial Ratios Environm...

and other products under trademark “Goodyear”. The Company is aim to enhance and improve the existing business and performance with expected total revenue growth of 1 percent - 2 percent per year and

in Treasury Management Transformation from CFO Innovation Magazine, Singapore. The awards reflect the company’s endeavor in adopting new technology to improve efficiency that has been recognized

affect the issuer’s utilization of the assets. With regard to any material plans to construct, expand or improve facilities, describe the nature of and reason for the plan, an estimate of the amount of

the information to improve the operation plan including guidelines for operational and risk management. • The energy situation in 2020, the Energy Regulatory Commission (ERC) resolved to further fix the

efficiency of procurement process and inventory management, which could be assessed as 8% of total synergy value. A digital system will be applied in order to improve the process, resulting in Economy of Scale

following the PTT Group scheme . In addition, increasing the efficiency of procurement and managing, and reducing inventory costs by applying digital systems to improve processes such as using the E-Auction

procurement process and cost control through inventory management by implementing a digital system to improve the process that will facilitate Economy of Scale. • Financial innovation, integrating technology

technology is applied to improve operating procedures and the accordance of the adopted IT system with the business objectives; (e) issues and obstacles. 6. The intermediary should assign senior management as