form of legal reserve and dividend payment as follows: - No appropriation to legal reserve as the company’s legal reserve has already reached 10% of the registered capital. - To allocate the profit for

cost of production decreased 0.20 million baht. Back up inventory deteriorated decreased 0.40 million baht. Reduced reserve price decreased 0.05 million baht. Salaries, wages and other expenses decreased

reserve for employee benefits from the amendments to the law relating to the legal severance pay rates. While the revenue of Q2–2019 increased from Q1–2019 and Q2–2018, the profit of Q2–2019 had decreased

contract to reserve US dollars in full amount to avoid exchange rate fluctuation of Trust Receipt (T/R). 4. Finance Cost increased Baht 4.94 million or 30.54% from the corresponding period of the previous

same period of the prior year of 24.67 million baht or 21.15%. From the recording normal provision expenses was 52.00 million baht and provided general reserve 40.00 million baht. For the overall

million, a decrease of Baht 150.95 million or 27.42% because long-term insurance policy reserve decreased by Baht 76.41 million, net claim decreased by Baht 39.92 million, commission and brokerage expenses

the previous quarter, average Dubai crude oil price in Q2/2017 decreased by 3.35 USD/BBL, pressured by the high crude reserve levels in the US. US crude oil production has the tendency to rise from the

, BAM still believes that our strengths and strategy will keep the company to stay highly competitive in this market. หนา้ 3 3. Regulatory considerations Changes in banking regulations, such as those

channel to communicate with the customers promptly as well as to increase pleasant level and top impression for keep maintain the existing customer base together with the increase of new customers. ▪ Risks

5.7 4.3 3.5 3.8 18.5 1.9 NPLs/ Total Loans (excluding interbank) 4.7 4.5 4.2 4.1 4.1 4.1 Total loan loss reserve/ Total NPLs (coverage ratio) 110.9 113.8 115.6 114.8 114.8 114.1 Total loan loss reserve