National Economic and Social Development Council and Ministry of Commerce Ye ar -o n- Ye ar C ha ng e (p er ce nt) 2018 2019 2019 2019 2 1.2 Banking Industry and Competition Commercial banks’ overall

percent 3.0 3.3 3.9 4.0 -0.9 0.2 0.7 1.1 -2 -1 0 1 2 3 4 5 GDP Headline Inflation Thailand Economic Growth Sources: Office of the National Economic and Social Development Board and Ministry of Commerce

Ministry of Commerce Projection by KResearch 2017 2017 Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 2 1.2 Banking Industry and Competition In the third quarter of 2017, net profit of most commercial banks

3 4 5 6 3Q 2017 4Q 2017 1Q 2018 2Q 2018 GDP Headline Inflation Thailand Economic Growth Sources: Office of the National Economic and Social Development Board and Ministry of Commerce Ye ar- on -Y ea r

Economic Growth Sources: Office of the National Economic and Social Development Board and Ministry of Commerce Projection by KResearch Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 2 throughout 2018 to

guarantee assets at certain banks, however, banks’ performance was still under Thailand Economic Growth Sources: Office of the National Economic and Social Development Council and Ministry of Commerce

Property as a Tool for Accessing Funding Sources, initiated by the Department of Intellectual Property. The signing ceremony was presided over by Mr. Pichai Naripthaphan, Minister of Commerce, and

sales channels and new services in parallel to the ‘New Way of Life’ or ‘New and Now Normal’. To stabilize our businesses and retain financial flexibility, cost reduction was one of our measures. The

Sri Ayutthaya, Chachoengsao, Rayong and Diana Hat Yai Branch. In addition, the Company has expanded new channels especially e-commerce through owned official platforms, Facebook: FN Outlet, Line

as well as conducting e-commerce business and online and offline advertising media, in the total number of shares not exceeding 120,808,387 shares equivalent to 33.05 percent of the total outstanding