system will be able to continue to support the quality of loans in the system. Fee income from fund transfers in 2017 will be impacted by the government's National e- Payment scheme to encourage a

the year and from additional government measures to support low-income households, although these may gradually decrease. Private investment was also expected to slow down due partly to a decline in

Management Discussion and Analysis for Interim Business Operations Financial Performance for the year ended December 31 , 2018 (Unit : M ill ion Baht) 2018 2017 Inc./(Dec.) % Construction income

.Revenues 1.1 Sales of Construction Supply 967.78 860.99 933.38 1.2 Revenue from Real Estate Business 263.75 71.12 79.60 1.3 Total Revenues 1,231.53 932.11 1,012.98 2.Gross Profit ( % of Revenues) 2.1 Sales

Mr. Dominic Der Kevorkian Mr. Dominic Der Kevorkian, as managing director responsible for the operation of K-TECH Construction PLC (KTECH), failed to supervise KTECH to submit the financial

Construction PLC (FOCUS), Inter Far East Engineering PLC (IFEC), and The Royal Ceramic Industry PLC (RCI) - in concealment through trading accounts of eight persons and on a continual basis to mislead and lure

share prices of Focus Development and Construction PLC (FOCUS) and Inter Far East Engineering PLC (IFEC) by arranging trading accounts of other persons for Mr. Sagha, sending manipulative trading orders

Mr. Donald Ian Mcbain Mr. Donald Ian Mcbain, as a director responsible for the operation of K-TECH Construction Public Company Limited (KTECH), failed to supervise KTECH to prepare and submit the

Mr. Pattanapong Dhanumataya Mr. Pattanapone Dhanumataya, as managing director resopnsible for the operation of ASCON Construction PLC (ASCON), failed to supervise ASCON to prepare and submit the

Mr. Pattanapong Dhanumataya Mr. Pattanapong Dhanumataya, as managing director responsible for the operation of ASCON Construction PLC (ASCON), failed to supervise ASCON to prepare and submit the