, quite similar to Integrated PET, and will propel us towards our aspirations in a prudent manner. The transaction will broaden IVL’s expertise in operational excellence, global scale, differentiated

because the second quarter is low seasonal quarter of the advertising business. The economy began to recover, many companies are cautious to spend on advertising. However, customers who focus on content

3) Advertising income was Bt1mn, decreased 1232.0% YoY because the second quarter is low seasonal quarter of the advertising business. The economy began to recover. Many companies are cautious to

) Advertising income was Bt1mn, increased 1232.0% YoY because the advertising business was slowdown in the last period. Many companies are cautious to spend on advertising. In this year, customers who focus on

year 2019. The loan receivables outstanding balance stood at 3,678 million Baht or a decline by 8.8% from the ending of 2018. The Company is very cautious to lending consumers. Moreover, the Company

-19 pandemic, the Company has been more cautious in managing the investment portfolio to mitigate risk exposures, which may result in lower-than-expected investment return. Our subsidiaries have

inflationary situation of the country's economy, causing the consumer purchasing power to decrease, together with the concerns of users about future inflation. As a result, users were more cautious in their

average user spending on digital content services as Thailand's sluggish economy has mainly reduced consumer purchasing power causing service users to become more cautious about their spending. In addition

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

services via PromptPay for e-Money transactions are secure, accurate, trustworthy and in compliance with standards. For instance, registration must be prudent, with prerequisites in place including Know-Your