last year for a reason of increasing in gain from exchange rate. 1.2 Cost of goods sold and expenses Consolidated financial statements (Thousands Baht) Six-month Change 2nd Quarter Change 2562 2561

2nd quarter on 2018 decreased 23.34 percent due to loss from exchange rate. . Cost of goods sold and expenses (Thousands Baht) Six-month Change 2nd Quarter Change 2561 2560 Amount % 2561 2560 Amount

appreciation still affected sale revenue. Other income of 3rd quarter on 2018 increased 28.04 percent due to higher gain from exchange rate. 1.2 Cost of goods sold and expenses (Thousands Baht) Nine-months

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Currently, rules on providing investor services and communication of securities company regarding offering for sale of high-risk or complex capital market products do not cover the provision of NC

outside its office for the products listed on the Stock Exchange of Thailand, did not comply with the rules, conditions and procedures announced by the Capital Market Supervisory Board. SEC Act S.98 (6

specified in the notification. In this regard, Coins TH distributed advertising materials promoting its products without the clear and visible cautionary statements on such ads. DAB Act S.30 Settlement

Currently, a large number of intermediaries provide investment products and services. They each tend to require investors to fill in a lot of information via various, different forms to open an

goods. Also, the price of domestic products could gradually increase that served middle to high income consumers. In Q4/2018, Cost of manufacture will be continually increasing as trend of oil and

competition has emerged as a new risk wherein players compete to launch new products and services, and pricing competition has become more prevalent. To cope with these challenges, Thai commercial banks must be