Page 4/21 Overview of Economy and Competition in Commercial Banking In the second quarter of 2019, the Thai economy continued to expand due mainly to the expansion of domestic demand. Private consumption

also organized the marketing activities to educate the water quality, which is consistent with the business Management's Discussion and Analysis and operating results for the Year 2018 Page 2 / 10 model

also organized the marketing activities to educate the water quality, which is consistent with the business model of the customer group continuously. Include activities to promote and educate cleaners

Medical Hospital and Kasemrad Hospital Ramkhamhaeng still grew in a significant rate comparing to the same period of last year, plus the consistent revenue growth from the provincial hospitals, resulted to

increased from business expansion. For the 9M/2018, the net profit improved by Baht 420 million or 17% from 9M/2017. The gain was primarily due to start-up of IRPC-CP Phase 2 and ISP1 in Q4/2017 and the

turn affect demand for loans – especially business loans – which would likely put pressure on asset quality. Moreover, commercial banks may focus on customer base expansion and income earned from

737 million resulting from long-term loan agreements with the financial institution. “Electricity and Steam sales volume increased due to the expansion of power generating capacity after COD of both

amended the former Bankruptcy Act, with major changes as listed below. 1. To be consistent with the Business Security Act, B.E. 2558 (2015), the term “secured creditor” has been redefined to include secured

industry, pet food industry, and biodiesel to support the business plan regarding the expansion of crude palm oil (CPOA) trading business for biodiesel and edible oil of the Company. Details of the Board of

Continuity Management Sub-committee Information Technology Strategy Sub-committee Digital-Oriented Risk, Data & Cyber Security and IT Risk Management Sub-committee 10  Expansion of scope of operations for IT