initiative is expected to boost Thai businesses’ adaptation and emphasis on the importance of sustainable goals. This will contribute to stronger competitive edge on the global stage and align with

40.32 percent, which was better than the target. Meanwhile, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced, the

resultant growth in EPS. Last 12 months has seen steady to stronger integrated industry margins compared to previous period and IVL is a testimony of an announced plan of pursuing earnings-accretive growth in

quality and maintain the allowance for doubtful accounts at the appropriate level. The Bank’s balance sheet remained healthy with robust capital and liquidity positions. At the end of third quarter 2019

leading to margin increase in all commodity products, supporting the increase in crude oil prices. All of this is translating into stronger than anticipated earnings in first half 2021. Transformation

reflected the economic trends in emerging markets and commodities during period. The average rate for 2017 of THB/USD 33.93 was 4% stronger than the THB/USD 35.30 in 2016 which was 3% weaker than the THB/USD

have set target together to achieve SIM subscriber target to get more customer. Debt Management and Debt Collection Business JMT Network Services PCL will growing stronger and operates its business in

mitigated by stronger sales of new product and also export markets. On the costs side SG&A increased by 11% however this was largely due to one shot impacts for investment projects that will materialize in

clients and orders due to higher demand for cars and new businesses from closure of financially challenged competitors due to Covid-19. 2) Dealership business; Stronger sales of both dealerships in Thailand

retirement. SEC Deputy Secretary-General Sakkarin Ruamrang gave a presentation on the topic, “Building Insights on Financial Crimes in a Digital Age for Stronger Market Confidence,” emphasizing the