1.0% 4.5% 27,814 27,229 2.1% Earnings per share (Baht) 4.94 4.90 4.73 1.0% 4.5% 14.57 14.26 2.1% Net interest margin 2.35% 2.36% 2.42% (0.01)% (0.07)% 2.39% 2.38% 0.01% Net fees and service income to

rose by 13.5% YoY. 2 MD&A 3Q 2018 (ended 30 September 2018) MASTER AD PLC MANAGEMENT DISCUSSION & ANALYSIS 3Q 2018 6 NOV 2018 IMPORTANT EVENTS IN 3Q 2018 July - On 18 July 2018, shareholders at

million baht, dropped from the same period last year around 50.32 million baht or 32.53%, and recorded earning per share at 0.52 baht. (unit: million baht) Q1/FY2018 Q1/FY2017 %YoY Total Revenues 1,366.11

million or 9.1%, in line with the growth of net written premium that rose up by Baht 76.91 million or 17.9%, when the written premium increased, associated expense grew such as commission and brokerage

period amounting to of Baht 64.61 million, an increase of Baht 49.20 million or 319.22% over the same quarter last year, due to the following significant factors : 1. Profit from underwriting rose by 28.66

OKEA, of which its share of operational profit from the Draugen Field rose with production volume increment by 7% QoQ, leading to the sales of 2 cargoes of crude oil from the Draugen Field; an increase

Bank and its Subsidiaries Million Baht Item Quarter Change (%) 1/2019 4/2018 1/2018 4/2018 1/2018 Net profit * 9,028 8,101 9,005 11.4% 0.3% Earnings per share (Baht) 4.73 4.24 4.72 11.4% 0.3% Net

last year (“QoQ”). • Revenue from transmission and telecommunication tower decreased by 50.87% QoQ as a result of rescheduling of delivery plan by major customer. • Revenue from sale of electricity rose

company’s cumulative market share for January to May 2018 to be at 15.7%. Net Marketing Margin softened as global crude price rose continuously, while retail prices were able to adjust at a slower pace, also

following by Europe and Latin America, accounting for 8.2 and 7.0 respectively. On the other hands, worldwide capacity growth or Available seat kilometers (ASK) rose 6.3 percent on average. Again, Asia