the low-income citizens to stimulate near-term consumption. Meanwhile, internal and external factors that affect the Thai economy are the slowing global economy growth, the inconclusive trade war

deposits in the second quarter of 2018 continued to expand at a similar rate. The loan to deposit ratio (LDR) has risen from the previous year. As the loan quality began to stabilize, the ratio of gross non

investment in infrastructure 3.) growth in private consumption continues despite a lower rate of growth however, government subsidy to the low-income citizens could help stimulate near-term consumption

Mr. Takool Treeweeranuwat Relationship with the Company Miss Nita Treeweeranuwat Director, Managing director, and major shareholder of the Company Mr. Takool Treeweeranuwat Major shareholder of the

regulatory sandbox ; (b) assessing and managing potential risks from the operation; (c) having operational procedures and an internal control system with details covering the operation specified in Clause 4

) assessing and managing potential risks from the operation; (c) having operational procedures and an internal control system with details covering the operation specified in Clause 4 and Clause 5 or Clause 6

of Listed Companies Concerning the Connected Transactions, 2003 dated 19 November 2003. Please be informed accordingly. Yours sincerely, (Mr. Vorasit Pokachaiyapat) Managing Director 3 Information

managing costs appropriately and being more careful with investment plans. The Company expected that this quarter has the deepest contraction in transaction value, and the situation will be better due to

gradually recovered due to low demand of products, so did agricultural sector. Service sector remained vulnerable due to the absence of tourists, affected by COVID-19 measurements, causing the decrease in

tightening of financial institutions in loans approvals due to the deteriorations in asset quality. Private investment contracted in the investment in construction from the decline in permitted construction