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

financial statements for the year 2019, ended 31 December 2019, that have been accordingly audited by the Company’s external auditor and reviewed by the Audit Committee at the meeting No. 1/2020 held on

consolidated financial statements for the second quarter of the year 2019, ended June 30, 2019, that have been accordingly reviewed by the Company’s external auditor and by the Audit Committee at the meeting No

and innovations to facilitate fast and convenient market access, more efficient cost management of existing and new intermediaries in fulfilling investors? demands, enhancing market supervisory

as of 2Q’19. For SW income per insurer, the income has increased from THB 988 per insurer to THB 1,015 per insurer reflecting the more efficient SW income generated from each insurer. Cost of Hospital

Business goal served by GHG accounting Managing GHG risks and identifying reduction opportunities • Identifying risks associated with GHG constraints • Identifying cost effective reduction opportunities

reasons for the decline of cost ratio not only stemmed from the increase of SW income and non-sw income per head but also from the efficient cost management particularly staff cost. Administrative Expenses

efficient cost management such as staff cost and other related cost. Administrative Expenses In year 2017, administrative expenses increased by 12% yoy and 6% yoy in the fourth quarter mainly due to the

estate development projects but due to the feasibility study of the project, the Company considered that the development of the project on such land is costly and not cost effective. The Company, therefore

direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. At the same