personal loan and hire purchase products as well as continued growth from bad debt recovery by 32% y-y. The revenue from overseas subsidiaries grew by 63% y-y. In addition, in the fourth quarter of 2019, the

to the adjustment of fair value of the dairy cattle in the subsidiaries. - Other assets were mostly cash and equivalent transactions to cash, deferred income tax assets and Other non-current assets

were the depreciation of Baht 16.98 million between the periods. - Biological assets increased by Baht 1.31 million, due to the adjustment of fair value of the dairy cattle in the subsidiaries. - Other

were the depreciation of Baht 26.20 million between the periods. - Biological assets increased by Baht 0.54 million, due to the adjustment of fair value of the dairy cattle in the subsidiaries. - Other

of fair value of the dairy cattle in the subsidiaries. - Other assets were mostly cash and equivalent transactions to cash, deferred income tax assets and assets not used in operation. (Unit: Million

Public Company Limited and its subsidiaries (Hereinafter called “ The Group” ) would like to submit Management’s discussion and analysis for the Year 2018 with the summary as follows: - 1. Nature of

group of companies. - Impairment loss on investments in 2018 amounted 199.00 million baht was from impairment in investment in subsidiaries. - Finance cost in 2018 amounted 433.73 million baht increased

including the consolidated financial statements of the Company and its subsidiaries for the first quarter ended 31st March 2019. The Company reported consolidated profits (attributable to equity holders of

the Year 2018 In the Annual General Meeting (AGM) on 1 April 2019, following the performance of the company and its subsidiaries, the dividend payment has been approved for the year 2018 at Baht 1.25

included revaluation of available-for-sale securities as a result of the capital market volatility. Summary of Performance of the Bank and subsidiaries Percentage 1Q18 2Q18 3Q18 4Q18 2018 1Q19 Loan growth