asset quality management for its loan portfolio and focus on expanding into profitable segment with better asset quality taking into careful considerations the economic conditions. As such, the overall

region have grown substantially as a re- sult of higher volumes of HVA products as well as improvement in the blended margins of the portfolio. On a per tonne basis, EMEA is the most profitable re- North

management while expanding into profitable segment with higher asset quality taking in careful considerations the economic conditions. The overall Bank’s loan portfolio as of end of 3Q20 expanded by 8.2% 2

quarter which recorded a gain on purchase of THB 367 million. As a result, Power Plant Business recorded a lower EBITDA from the previous quarter, but both projects still record profitable performance. 4