well as the consolidation of our Nguyen Kim business in Vietnam. Overall SSSG in hardline segment decreased, primarily due to declines in overall customer spending in Thailand, particularly product in

Oxide platforms, we are now well on our way to make this our core platform for continuous growth in selective upstream & downstream integration over the next 5 to 10 years, similar to how we grew our

supervision in segments other than car title loan. KBank has improved policies, processes, and operational systems to accommodate and comply with relevant regulations, as well as will closely monitoring on new

investors—to speak up and encourage a culture of long-term investment and growth. And well-run businesses will respond. The best businesses strategically manage all aspects of the business and ensure that

, practitioners and experts on corporate governance in the region, as well as from OECD countries and relevant international institutions. Participants exchange experiences and push forward the reform agenda on