COMPANY LIMITED BKD: BANGKOK DEC-CON PUBLIC COMPANY LIMITED BKGI: Bangkok Genomics Innovation Public Company Limited BKIH: BKI HOLDINGS PUBLIC COMPANY LIMITED BLA: BANGKOK LIFE ASSURANCE PUBLIC COMPANY

PUBLIC COMPANY LIMITED BKD: บริษัท บางกอก เดค-คอน จำกัด (มหาชน) BKGI: Bangkok Genomics Innovation Public Company Limited BKIH: BKI HOLDINGS PUBLIC COMPANY LIMITED BLA: BANGKOK LIFE ASSURANCE PUBLIC COMPANY

uncertain environment including it has always changed. The consumer has had the existed burden of household liability in high level bring to decelerate the purchase by choosing the needful product and

election, which is expected to take place early of 2019. Thai Banking Industry Although the commercial banking system in Thailand is facing challenges from an uncertain economic environment, its lending and

monitoring given that general elections are expected to take place in early 2019. Thai Banking Industry The commercial banking system in Thailand continues to face challenges from an uncertain economic

Thailand. The Bank of Thailand revised down the projection of overall economy for 2020 to contract 7.8% (as of September 2020) from the earlier forecast of 8.1%. But the fragile labor market, uncertain

continued to contract, especially investments in machinery and capital goods. The delays in business investment were attributable to weak demand and concerns over the uncertain economic outlook in the period

highly uncertain situation. V2 27/08/63 5 Operating Income and Expenses of the Bank and its Subsidiaries Million Baht Quarter Change (%) H1 Change 2/2020 1/2020 2/2019 1/2020 2/2019 2020 2019 (%) Net

of scale”) ในการ บริหารจัดการ และไม่เอ้ืออ านวยให้เกิดการจัดตั้งกองทุนรวมที่สอดคล้องกับอายุหรือความเสี่ยงที่ผู้ลงทุน ยอมรับได้ในแต่ละช่วงอายุ (life path) ส านักงานพิจารณาแล้วเห็นว่าข้อจ ากัดทางกฎหมาย

services was Bt652.92mn an increase 0.6% YoY due to the depreciation ratio to the core revenue will tend to decrease from the kiosk that its useful life is 8 years. 2) Service and administrative expenses in