0.25% per annum (the normal interest rate of the loan for the associated companies) whereby PF will adjust the said interest rate for twice a year in January and June. At present, the interest rate is

had to be closed according to government policy. But the company was able to adjust to its profitable operating results this quarter details as follows: Management Discussion and Analysis Q2/2020 Page 3

, TFRS 9 Financial Instruments and TFRS 16 Leases, by adjusting from the retained earnings as of January 1, 2020 and didn’t adjust the financial statement of the previous year. The adjustments of right-of

, science-based or benchmarked against an industry standard (e.g. consider SMART philosophy specific, measurable, attainable, relevant and time-bound). 1 Reference to or inspiration from regulatory standards

that the Group could be unable to fully adjust its methods of distribution in line with new client expectations at all times and this could negatively impact sales and profitability. Any change in the

as the first year of the second phase of the long-term strategy where the Company expects the leap and sustainable growth. The Company will be able to start getting benefits from the past 3 year

powered by partnership collaborations to better engage our customers with personalized and real-time offerings. • Fixed broadband to leap forward with quality and coverage – FMC (Fixed-Mobile-Content

appraising, it shall adjust such items to demonstrate total. If total result in loss, it shall demonstrate the amount of cash in the parenthesis. 1.4 Gain (loss) on Derivatives trading means gain or loss on

expenses or gain or loss from securities appraising, it shall adjust such items to demonstrate total. If total result in loss, it shall demonstrate the amount of cash in the parenthesis. 1.4 Gain (loss) on

securities trading. In the case where it has a securities trading expenses or gain or loss from securities appraising, it shall adjust such items to demonstrate total. If total result in loss, it shall