The commercial banking sector in Thailand continues to face challenges from the business environment and ongoing changes in regulations. However, operating results in the second quarter of 2019 improved

CPN’s philosophy on sustainable business operations by taking into consideration the interests of the whole, the environment, the related parties and continuously partake in driving the well-being of

consecutive years (2018-2019) and DJSI Emerging Market for six consecutive years (2014-2019) reflecting the philosophy of sustain business sense which be aware of community, environment and all stakeholders to

Ensuring the well-being of all stakeholders to cope with COVID-19 outbreak is the Company’s priority, together with flexible business plan to suit the changing environment. Outlook for 2020 Performance

with flexible business plan to suit the changing environment. Outlook for 2020 Performance Regarding to an uncertainty of COVID-19 situation, which will impact various dimensions of business, the Company

business environment and ongoing changes in regulations. As of September 30, 2019, deposits grew at a higher rate than loans, with the ratio of loans to deposits declining from the end of last year as a

that the Group serves its customers with affordable, healthy, sustainable products; “Planet” pertains to its commitment to protecting the natural environment; and “Places” involves supporting communities

environment for greater cross-sector collaboration and innovation in SDG financing solutions (see Figure 2). SDG Impact Standards for Enterprises 14 Figure 2: How the Standards work with other principles

while audit firms still lacked audit software and data analytic tool to enhance the effectiveness and efficiency of audit execution amid the changing technological environment. The SEC recognizes the

strategy, governance, performance and prospects, in the context of its external environment, leads to the creation of value in the short, medium and long term. Integrated reporting provides a framework