Jomkwan Kongsakul, Deputy Secretary-General of the Office of the Securities and Exchange Commission, Distinguished guests, Ladies and gentlemen, • I am honored to join you here today to celebrate completion

consist of residential projects, office buildings and hotels, in the same complex as the shopping malls to support and maximize the benefits of the latter’s business. In 2019, CPN have made notable

Slide 1 Anya Khanthavit, Ph.D. Distinguished Professor of Finance and Banking Faculty of Commerce and Accountancy Thammasat University Setting Self-Discipline Saving Rates for Thai Income Earners in

consist of residential projects, office buildings and hotels, in the same complex as the shopping malls to support and maximize the benefits of the latter’s business. In 2019, the Company have made notable

tax – all of which will come into force during 2019-2020, as well as other regulatory changes both at home and abroad in the future. Commercial banks must therefore adjust their business undertakings in

real estate revenue recognition of 1,366.58 Million Baht or an increase by 103.97%. The revenue can be distinguished as follows: Unit: Million Baht Projects Consolidated Revenue Project Revenue Increase

Baht or an increase by 137.61%. The revenue can be distinguished as follows: Unit: Million Baht Projects Consolidated Revenue Project Revenue Increase (Decrease) % Revenue (Million Baht) Revenue (Million

production efficiency and competitiveness enhancement. Another notable program was a soft loan program catering for Small Business clients in promising tourist attractions and commercial zones to help them

inventory management. Another notable effort in this quarter included “K SME Good to Great”, organized specifically for auto parts manufacturers, hardware and plastics businesses. The event featured a

prominent mixed-use development project at the heart of Bangkok central district located across a 23-rai land at the corner of Silom Road and Rama 4 Road and seamlessly connected with the mainstream mass