V3 22/02/61 10:09 น. 0 V3 22/02/61 10:09 น. 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in 2017 In 2017, Thailand’s real GDP grew by 3.9 percent, up
to Baht 33 million in 2Q2017 (41 percent increase), mainly from an increase in the Company’s credit balance accounts. 3. The Company reversed bad debts and doubtful accounts of Baht (8) million in
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and its subsidiaries for the year ended 31 December 2018 represented a loss before the provision for doubtful accounts and impairment on assets of Baht 112.79 million. Inclusive of the provision for
Limited and its subsidiaries for the six-month period ended June 30, 2018 represented a loss before the provision for doubtful accounts of Baht 24.13 million. Inclusive of the provision for doubtful
and its subsidiaries for the nine-month period ended September 30, 2018 represented a loss before the provision for doubtful accounts of Baht 67.28 million. Inclusive of the provision for doubtful
Limited and its subsidiaries for the nine-month period ending September 30, 2018 represented a loss before the provision for doubtful accounts of Baht 67.28 million. Inclusive of the provision for doubtful
decrease 21.82 million bath or (53.35%) in the year 2017 from the project penalty waiting for restored from customer 3. Allowance for doubtful accounts (transfer back) 3.59 with last year at (11.39) million
including SME Car3x loans expanded at 51.7%, personal loans increased by 18.7%, corporate banking loans expanded by 106.8%, Lombard loans expanded by 15.3% with real estate development loans also registering