E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter of 2019. Exports, tourism and private investment – among major economic activities – were hampered by the worse-than-expected global economic slowdown. Meanwhile, consumers’ purchasing power weakened amid high household debt, whereas public investment and the government’s budget disbursement were aff...

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2019 Thai economic activity in the third quarter of 2019 continued to see limited support, after growing by 2.30 percent in the second quarter. The Thai economy did show some signs of strength in the third quarter, due mostly to the low base effect of the same period last year, especially in the tourism sector. However, exports and private investment – two major e...

example, several appointments of new executives in the present year), give an estimate of such remunerations in the present year as well. (2) Other remunerations (if any) Specify other remunerations and

operating income ratio 24.3% 21.2% 27.3% 3.1% (3.0)% 22.7% 24.5% (1.8)% Expense to operating income ratio 56.2% 43.5% 45.5% 12.7% 10.7% 45.4% 43.5% 1.9% Return on average assets * 1.04% 1.14% 1.10% (0.10

24.1% 18.7% 23.9% 5.4% 0.2% Expense to operating income ratio 43.1% 36.6% 42.6% 6.5% 0.5% Return on average assets /1 0.93% 0.99% 1.17% (0.06)% (0.24)% Return on average equity /1 7.32% 7.40% 8.74% (0.08

4,172 47% Finance costs 1,615 1,041 991 (39%) (5%) 1,987 2,032 2% Income tax expense 30 254 284 851% 12% 76 537 611% Net foreign exchange losses (gain)2 (242) 30 5 (102%) (83%) (190) 35 (118%) Total other

their platforms). Despite making these earnings, the expense totaled to 30.542 million Baht, resulting in a loss of 19.373 million Baht. With respect to income from Social Portal Media Platform, such

platforms). Despite making these earnings, the expense totaled to 25.69 million Baht, resulting in a loss of 16.08 million Baht. With respect to income from Social Portal Media Platform, such income has not

policy in the Digital Economy operation plan. Therefore, the bank pays attention to the innovation products development and digital financial services for provide the time saving to the customers, expense

, 2018 Dec 31, 2017 Baht million % Interest expense 5,033 4,216 817 19.4 Interest on deposits 2,642 2,270 373 16.4 Interest on interbank and money market items 155 118 38 32.1 Interest on debt issued and