% QoQ from marketing cost optimization. • Admin & other expenses at Bt3,812mn, increased 0.2%YoY and declined -1.0% QoQ mainly from cost control initiatives. Classification: Internal 3Q22 MD&A Advanced

% QoQ from marketing cost optimization. • Admin & other expenses at Bt3,812mn, increased 0.2%YoY and declined -1.0% QoQ mainly from cost control initiatives. Classification: Internal 3Q22 MD&A Advanced

the Civil Aviation Authority of Thailand. This certificate demonstrates that the Company’s operational management and control systems are in high standards 5and being recognized internationally. 3. The

The commercial banking sector in Thailand continues to face challenges from the business environment and ongoing changes in regulations. However, operating results in the second quarter of 2019 improved

. Operating expenses also declined from effective cost management control. The Bank continued to prudently set aside additional provisions taking into account the economic slowdown and prolonged uncertainties

stimulus measures to support the economy while the BOT has reduced the policy interest rate. Thai Banking Industry The commercial banking sector in Thailand continues to face challenges from changes in the

Determination of the Date of Extraordinary General Meeting of Shareholders No. 1/2018 To: President The Stock Exchange of Thailand Enclosures: 1. Information Memorandum on the Offering of Newly Issued Ordinary

Determination of the Date of Extraordinary General Meeting of Shareholders No. 1/2018 To: President The Stock Exchange of Thailand Enclosures: 1. Information Memorandum on the Offering of Newly Issued Ordinary

in support of the national policy of making Thailand a cashless society. We always strive to bolster our capabilities in providing services via digital channels to promote increased digital

via active and inventory cost control in order to achieve economies or scales; and (ii) other cost management such as financing costs, insurance costs, working capital management, and organizational