be consistent with consumer’s behavior. Moreover, our revenue from bad debt recovery continued growing by 31% y-y. Details of each business can be described as follows: Profit and Loss Statement

cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of

of quality products into the market. However, investor concerns about the credibility of green labelling are also growing. standards, assurance & certification will be essential to improve confidence

, 2021 Market risk: identified changing customer behaviour towards low-carbon products, and reduced demand for higher carbon products and services. Reputation risk: identified growing expectation from

, though growing. There are a number of international investors active in the region, while they are diverse in their investment strategies and their level of engagement. A number of the recent policy

with the growth for the passenger car segment and the commercial vehicle segment growing at 21.9% and 6.3% respectively. The Bank in-house research projected the new car sales for the year 2018 to be

% yoy with the growth for the passenger car segment and the commercial vehicle segment growing at 17.8% and 8.7% respectively. The Bank in-house research projected the new car sales for the year 2018 to

agricultural crops, and also from the government stimulus measurements. In FY2018, CPO price decreased along the year because of growing on the domestic inventory. Nevertheless, methyl ester demand in FY2018

sector has been growing continuously driven by stimulating measurements by the government. As a result, methyl ester demand in 2Q/2019 was increased from 1Q/2019 by 34,151 tons or 10%, which was equal to

-related businesses, the performance of BAC slightly decreased due to the loss of one airline customer at the beginning of the year. In part of BFS Ground, the revenue grew by 1.3 percent from growing number