. When a financial sector is well-equipped with the necessary capacity and capabilities to innovate products and services in a cost-effective manner to tackle ESG issues, particularly climate change, it

period of 2019. This increase was mainly due to switching towards more cost-effective marketing channels. Administrative Expenses In the 3rd Quarter of 2018 and 2019, administration costs increased from

strongly, especially on a same-store basis that continues to grow together with cost effective management. Excluding the non-recurring items, total revenue increased 9.0% YoY and net profit increased 7.4

Company also aware of the current situation and has adjusted operations to maintain revenue growth along with consistently enhanced quality and capability of service under cost-effective management to

marketing by switching towards more cost-effective marketing channels, which decreased from the previous year by THB 4.8 Mn. However, the group had higher marketing support and commission expenses paid to

switching towards more cost-effective marketing channels; the main factors for the increase were (1) higher staff, rental, utilities and depreciation expenses from opening new branches and (2) higher

, total revenue stood at THB 12,189 mn and net profit stood at THB 1,890 mn). However, the Company implemented the cost-effective management as planned to reduce impact to business performance. As a result

, total revenue decreased by 31.8% and net profit decreased by 65% YoY). However, the Company implemented the cost-effective management as planned to reduce impact to business performance. As a result of

more efficient marketing by switching towards more cost-effective marketing channels, which decreased from the previous year by THB 3.3 Mn; the main factors for the increase were (1) higher marketing

temporary closing most parts of the shopping mall to stop the COVID-19 outbreak. Enable tenant remedy measurement who affected and take care employees thoroughly Cost effective management and the review of