government’s investment projects. Nonetheless, small business and retail loans may see only limited growth amid a feeble recovery in purchasing power. Close attention should be paid to competition in the market

revenue and generate a sustain long-term returns. In 2019, CPN progressed with the following asset enhancement initiatives. • The major renovation at CentralWorld, has been started phase by phase since 4Q16

long-term returns. In 2019, CPN progressed with the following asset enhancement initiatives. Renovation programs of existing malls are under way and expects to be completed in 2019 comprising a

place more stringent customer approval criteria for commercial lending policies towards small and micro businesses, focusing on area-based strategies amid the uneven economic recovery. We also prioritize

participation, should balance the need to ensure the matter under consideration is likely to be of importance to all shareholders and not only a small minority. 9.10 Equality and redress The board should ensure

amount of THB 3.55 million (2 installments). The remaining amount to be paid upon the Agreement is THB 5.33 million. Currently, hydraulic platform construction work has progressed to around 50 percent. 4

progressed 62.79% (The construction plan was 62.55%). The commercial operation date is scheduled in the second quarter of 2022. Page 3 1.2 Additional Investments in Joint Ventures - On September 25, 2019, EGCO

hold small-scale seminars in other provinces nationwide to allow our clients residing there to gain access to world-class knowledge.  Affluent KBank prioritized expansion of new customers with potential

negotiations, together with their impact on supply chains and the Thai business sector. We thus put in place more stringent customer approval criteria for commercial lending policies applied to small and micro

customer screening criteria. In particular, more rigorous requirements have been set for small and micro businesses as well as retail customers, while we have acquired customers with stronger financial