normal investment methods, or guarantee principal return. Some lie that they are a legally licensed company or a member of a foreign business network, and thus are not required to obtain a license from the
business operations. Other challenges also lie in the fast-changing technology which will provide consumers with increased alternatives in conducting financial transactions. 1.3 Regulatory Changes
to certain groups of customers and limited growth in some types of loans amid an uneven economic recovery. In addition, net fees and service income of the banking system continued to enjoy steady
at BTS Group Sustainability at BTS Group BTS’s Corporate Sustainability Policy (CSP) 4BTS Group Green Bond Presentation Economic Society Environment City Solutions Concept C u st o m er s Su p p lie rs
rate translation, revenue from sales grew by 6.7% YoY at constant FX. The growth drivers lie in our core businesses, both domestic beverages and personal care with the growth of 6.6% and 10.7
downturn and normally performs ahead of the general GDP trend. As uncertainties lie ahead, the management focuses on mobilizing operational responses to protect revenue while managing cost to ensure
good. The water continually inflow to the reservoirs because the Southwest monsoon prevail over Andaman Sea and Thailand were strengthen. And sometimes monsoon troughs lie across Thailand’s Central and
tourists, compared to 5,872,145 people in the pre-COVID-19 period (Jan-Feb 2020), as travel restriction remained in place. In 2021, the recovery of the Thai economy is expected to be fragile and uneven
geopolitical situations remain risk factors affecting economic activities of Thailand’s trading partners. At the same time, uneven recovery of household purchasing power may be further hindered by the floods in