adequate provisioning expenses against any uncertainty or new regulations. In terms of capital, with the inclusion of net profit for the third quarter of 2018, the total capital adequacy ratio, the Common

trillion to Baht 5.06 trillion, support from REITs and property funds. Due to the global stock markets were volatile, both from the Fed's policy rate hike And economic uncertainty that made overall stock

to closely monitor credit quality and maintain high levels of capital fund and loan loss provisions to withstand a potential adverse impact from economic uncertainty. Credit Rating LH Financial Group

expiring relief packages and (4) the rising political uncertainty Meanwhile, in the auto industry, the total number of car sales for the first eight months of this year stood at 456,872 units, contracting by

repercussions on the global economy, compounded by a steep recession. It was a grim scenario, with uncertainty looming large. One year later, we stand in a very different place. Brent crude oil price has had a

Environment 1.1 Global and Thai Economy in the First Quarter of 2019 The global economy exhibited signs of slower growth in the first quarter of 2019 amid concerns over uncertainty surrounding the protracted US

E_1 Legal_FA_2015_12_29-c A WWCCoorrppLL44..11hhiigg A Executive Summary 1 Management Discussion and Analysis For the Year Ended December 31, 2017 In 2017, Thai economic growth gained traction, buoyed by strong recoveries in tourism and exports. This growth momentum is expected to carry on into 2018, especially amid a brighter outlook in public and private investment. Nonetheless, the business sector remained challenged by new modes of competition in a broader marketplace amid the advancing digi...

E_1 Legal_FA_2015_12_29-c A WCorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2018 In 2018, the overall Thai economy maintained its growth due largely to healthier growth of exports and tourism, especially in the first half of the year. Meanwhile, the government continued to implement measures to promote and strengthen the domestic economy through support of investment and private spending as well as bolstering opportunities for other econo...

half of the year. Against the backdrop of the global trade slowdown and uncertainty over US trade policy, merchandise exports in 2018 expanded by 7.7 percent, down from 9.8 percent growth in 2017

4.2 percent in 2018. Against the backdrop of a global trade slowdown and US-China trade uncertainty, merchandise exports and imports for the year contracted by 2.7 and 4.7 percent from 2018