in provision for retirement benefits according to the Labor Protection Act that was revised on 5 April 2019. 5. Bangchak Retail Co., Ltd. (“BCR”) is still continuously developing and expanding the

still developing and expanding its business. As of Q1/2019, the number of Inthanin branches is 529 (an increase of 71 branches) and the number of SPAR branches is 47 (an increase of 12 branches) compared

Non-oil business under the supervision of Bangchak Retail Co., Ltd. (“BCR”) is still developing and expanding its business continuously. As of Q2/2019, the number of SPAR convenient stores was 46

Bangkok Metropolitan Area. 5. Bangchak Retail Co., Ltd. (“BCR”) is still continuously developing and expanding the Inthanin coffee shop business. During this quarter, the number of Intanin coffee shop are

middle of developing its infrastructure and expanding the branches of SPAR accordingly, thus incurring high selling, general and administrative expenses in the beginning, leading the Bangchak Retail Co

broader efforts in developing green finance for the region. The ASEAN Green Bond Standards will be developed based on ICMA's Green Bond Principles (GBP). The standards are intended to provide additional

core business, increasing 1.4% when compared to 78.3% in 2Q18, while increasing 0.9%QoQ, due to developing the kiosk that reach 8 years useful life to be better work. 2) Service & Administrative expenses

business.  Developing Boonterm kiosk to be a one-stop financial service kiosk, i.e. cash deposit, money withdrawal, money transfer, payment, and new account opening.  Expanding lending (PL Loan) business

points of Boonterm kiosks with quality and expanding the efficient installation points. As a result, total prepaid value continued to grow continuously. In 4Q18, total revenue from core businesses was

across the country by developing and adjusting its operation to any situation, and looking for new opportunities to keep Boonterm’s operation growing sustainably. Targets in 2H2020 • Wait for Covid-19