-financial-innovation Nakarin Amarase, Ph.D. Head of External Affairs, Corporate Strategy Function, Siam Commercial Bank PCL. SEC Capital Market Symposium 2023 Financial Innovation Economic Growth Creativity

promotes culture, art, creativity and “savoir-faire” throughout the world, and invests significantly in people, R&D and innovation. At the end of 2019, CHANEL employed close to 28,000 people worldwide

gross profit as the cost of raw material increases. ZIGA INNOVATION PUBLIC COMPANY LIMITED 999/9,10,11 MOO 9 NAIKLONGBANGPLAKOD, PHASUMUDJADEE, SAMUDPRAKARN 10290 Tel. 02-816-9315 Fax. 02-816-9315 #444

revenue in Q3/2016 and Q3/2017 respectively. The reason for this decrease in net profit is due to the lower gross profit as the cost of raw material increases. ZIGA INNOVATION PUBLIC COMPANY LIMITED 999

lower gross profit as the cost of raw material increases. ZIGA INNOVATION PUBLIC COMPANY LIMITED 999/9,10,11 MOO 9 NAIKLONGBANGPLAKOD, PHASUMUDJADEE, SAMUDPRAKARN 10290 Tel. 02-816-9315 Fax. 02-816-9315

revenue respectively. The reason for this decrease in net profit is due to the lower gross profit as the cost of raw material increases. ZIGA INNOVATION PUBLIC COMPANY LIMITED 999/9,10,11 MOO 9

reason for this decrease in net profit is due to the lower gross profit as the cost of raw material increases. ZIGA INNOVATION PUBLIC COMPANY LIMITED 999/9,10,11 MOO 9 NAIKLONGBANGPLAKOD, PHASUMUDJADEE

ZIGA INNOVATION PUBLIC COMPANY LIMITED 999/9,10,11 MOO 9 NAIKLONGBANGPLAKOD, PHASUMUDJADEE, SAMUDPRAKARN 10290 Tel. 02-816-9315 Fax. 02-816-9315 #444 NO. ZIGA 010/2019 14 November 2019 Subject

of raw material increases. EBITDA in year 2018 and 2017 amounted THB 83.9 MB and THB 209.3 MB respectively. ZIGA INNOVATION PUBLIC COMPANY LIMITED 999/9,10,11 MOO 9 NAIKLONGBANGPLAKOD, PHASUMUDJADEE

ZIGA INNOVATION PUBLIC COMPANY LIMITED 999/9,10,11 MOO 9 NAIKLONGBANGPLAKOD, PHASUMUDJADEE, SAMUDPRAKARN 10290 Tel. 02-816-9315 Fax. 02-816-9315 #444 NO. ZIGA 007/2019 14 May 2019 Subject: Management