freight saving. This does not have any impact on regional or consolidated EBITDA. 4Core EBITDA is Reported EBITDA less inventory gains/(losses) 5Core EPS is Reported EPS less inventory gains/(losses) less
) transactions 2Total of each segment may not always tally with consolidated financials due to holding segment 3Excludes price adjustment for captive sales on freight saving. This does not have any impact on
tonnage serviced reduced by 27 per cent comparing to the 2nd quarter last year. The three companies implemented cost saving measurements e.g. personnel management to resize the company in order to suit the
15,386.7 35.3 Saving cooperative 8,435.0 11,510.0 (3,075.0) (26.7) Others 1,411.4 1,436.1 (24.7) (1.7) Total loans to customers net * 192,304.8 178,898.4 13,406.4 7.5 Note: * Total loans to customers net of
loans 20,696.8 20,828.0 (131.2) (0.6) Financial intermediation 40,737.9 43,623.3 (2,885.4) (6.6) Saving cooperative 11,394.0 11,510.0 (116.0) (1.0) Others 1,396.0 1,436.1 (40.1) (2.8) Total loans to
from median performance to top 5th percentile. The 30% minimum improvement for 5 years has been established based on industry practice for Energy Service/Saving Companies (ESCO) contracts, where best
Client (KYC) processes. Employment-based retirement scheme: This covers all types of corporate retirement saving schemes that an organization may offer its employees. Depending on jurisdiction, these may
skin in the game are clearly more invested in maintaining a “fair” market. If regulation were truly saving investors from themselves, we would find that high regulations (low scores) would result in a
Payroll customer behavior, especially their financial status and lifestyles, we introduced services and campaigns via digital channels appropriate for the target group 12 in order to promote saving and
. Major topics involved how to harness self-discipline for saving, investment and daily spending. At the same time, we still focused on establishing “THE PREMIER” brand as the brand of millennial customers