follows. Overview According to the Bank of Thailand and Office of the National Economic and Social Development Board data, the Thai economy in the third quarter of 2019 expanded by 2.4%, slightly increased

quarter. However, the Thai economy is expected to grow continually from last year, thanks to the expansion of exports and tourism sectors as well as an increase in government consumption. In addition, the

copy in Thai and English) 2. Management Discussion and Analysis (MD&A) for the second quarter of 2017 (a copy in Thai and English) 3. Company's performance report, Form F45-3 for the second quarter of

be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item

of Thailand and Office of the National Economic and Social Development Board data (NESDB), Thai economy in 2020 expanded by 2.4%, decreased from 4.2% in previous year. This was because the global

Phayathai in July. The Company focuses on selling products made from Thai fruits and has received overwhelming feedbacks from health-conscious customers. This has resulted in the opening and the operation of

market was strong as the sugar season was prolonged and infrastructure projects supported our key markets of steel and construction. The Thai economy continues to outperform expectations and while we

1st quarter of 2021, as follows: Business Overview The Thai economy in the first quarter of 2021 was pressured by the domestic COVID-19 situation that impacted the country’s economic recovery momentum

branch, Central Plaza Bangna branch, and The Mall Bangkapi branch. 3 Continuous expansion of new store format "After You Marketplace" Developed and created more than 17 new products Expand pop-up stores

Bank of Thailand and Office of the National Economic and Social Development Board data, the Thai economy in the 4Q/2022 expanded by 1. 4% y-y, slower than the expansion of 4.6% y-y in the previous