beginning of the second quarter of 2019. Moreover, commercial banks will have to focus on cost and asset quality management for enhanced efficiency while also bracing for heightened competition, especially

impacts of the situation. In 2020, the Company has initiated Organizational Transformation project which emphasizes on increasing operational efficiency and work process whereby the Group CEO also assumes

initiated Organizational Transformation project which emphasizes on increasing operational efficiency and work process whereby the Group CEO also assumes an additional role of Chief Transformation Officer

ประสิทธิภาพในการดําเนินงาน (EFFICIENCY RATIO) อตัราผลตอบแทนจากสินทรัพย ์ (%) 4.78 3.95 6.33 อตัราผลตอบแทนจากสินทรัพยถ์าวร (%) 36.41 30.95 36.84 อตัราการหมุนของสินทรัพย ์ (เท่า) 1.04 1.11 1.07 อตัราส่วนวิเคราะห์

High Net Worth investors and 3) tentative issue date in May 2018 Progress on development of solar projects in Vietnam BGRIM has agreed to develop large-scale solar power plants with an installed capacity

initial baseline, positioning us well for our next target for Scope 1 and 2 of -60% by 2025. We have made significant financial investment in energy efficiency across electricity and fuel usage over the

experiences and from the strengthened cross-border relations. On a smaller scale, the SEC is one of the founding members of ASEAN Audit Regulators Group (“AARG”), whose objective is to be a platform for ASEAN

while audit firms still lacked audit software and data analytic tool to enhance the effectiveness and efficiency of audit execution amid the changing technological environment. The SEC recognizes the

) attaining high regulatory standards on par with internationally accepted standards; (2) enhancing efficiency of preventive measures and enforcement mechanisms in response to technology advancement; (3

prevention making it possible to complete the project even more. In addition, the several large-scale projects were due for delivery in this quarter such as the Purchasing and Installation of Cloud Project of