circumstances, the Bank of Thailand lowered the Thai economy growth outlook in 2019, from 3.3% to 2.8%, the policy rate cut to 1.25% to balance the economic growth momentum and the stability of the financial

). 4.2 Insurance Service, the bank provides various insurances to respond the customers’ needs and to enhance a financial stability in the future with worthy benefits. The insurance products consists of

exchange rates and capital inflows should be closely monitored. Going forward, risks to financial system stability need to be more closely monitored and managed appropriately through the combination of

resource allocation by their board of directors and executives that is practical and meets the standards established by an international organization concerning capital market supervision is crucial and

amid high household debt, whereas public investment and the government’s budget disbursement were affected by a delay in the formation of a new government. Nevertheless, economic stability remained sound

will help to reduce the purchase of Crude Oil from other country and also support stability of the power business of Thailand which the crude palm oil (CPOA) is the major raw material for biodiesel

Operations 27 4.5 Capital Requirements 27 4.6 Credit Ratings 29 5. Operations of Support Groups 31 5.1 Human Resource Management 31 5.2 IT Management 32 1 1. Overview of Operating Environment 1.1 Global and

31 5. Operations of Support Groups 34 5.1 Human Resource Management 34 5.2 IT Management 36 1 1. Overview of Operating Environment 1.1 Global and Thai Economy in the Third Quarter of 2019 The global

Performances of K Companies and Muang Thai Life Assurance PCL 49 4.6 Capital Requirements 50 4.7 Credit Ratings 53 5. Operations of Support Groups 55 5.1 Human Resource Management 55 5.2 IT Management 58 6

-Translation- No. ECF2 044/2561 3 December 2018 Subject: Notification of the resolutions of the Board of Directors’ Meeting approving the investment in purchasing the ordinary shares of S-TREK (Thailand) Co., Ltd., capital increase, and the issuance and allocation of the newly issued ordinary shares to the specific person under the private placement basis, and the schedule for Extraordinary General Meeting No. 1/2019 To President The Stock Exchange of Thailand Enclosure 1. Information Memorandum...