such customers in finding appropriate financial solutions on a case by case basis. The Bank will continue to assess the situation closely especially in terms of portfolio quality and will continue to

government stimulated the economy from relatively high investment expenditure in 2016. In terms of total operating expenses, it usually varies with changes in revenue. Total operating expenses of Q3- 2017

products in Q3’19, both in the three-month period and the nine-month period. The increases were 20% and 22.60% respectively compared to those of the same periods of last year. - Immovable property business

Q2’19, both in the three-month period and the six-month period. The increases were 24.46% and 24.02% respectively compared to those of the same periods of last year. - Immovable property business saw its

in the three-month period and the six-month period. The increases were 62.62% and 73.37% respectively compared to those of the same periods of last year. - Immovable property business saw its income

Q3’18, both in the three-month period and the nine-month period. The increases were 53.68% and 59.18% respectively compared to those of the same periods of last year. - Immovable property business saw its

(“the Company”) are pleased to submit this Management Discussion and Analysis for the three-month and nine-month periods ended 30 September 2018 with details as follows: Summary overview Thailand Mobile

operation and also the terms and conditions are satisfied. Detail of related person and conflict of interest - Name of related person: Kinpo Electronics, Inc. - Relationship: Kinpo Electronics, Inc. holds

2,316.9 Total cash collected from sale of properties for sale- Outright sales 3,233.1 5,322.3 5,224.2 Installment sales Interest income 104.7 89.2 108.0 Collected debt repayment during the periods (in terms

for outstanding ESG performance in terms of environmental, social and governance (ESG 100) by Thaipat Institute which the company was voted for the third consecutive years. However, the company’s