Analysis for the Year ended 31 December 2017 Page 4/21 Overview of Economy and Competition in Commercial Banking In 2017, the Thai economy continued to gain further traction underpinned by an accelerated

designated at fair value through profit or loss, net 73,883 0 73,883 n.a. Gain (Loss) on investments, net 45,324 51,277 (5,953) (11.6) Dividend income and profit sharing 315,019 207,619 107,400 51.7 Other

930,811 132,195 14.2 Gain (Loss) on trading and foreign exchange transactions, net 87,750 (21,274) 109,024 512.5 Gain on financial liabilities designated at fair value through profit or loss, net 73,883 0

holders Exclude Gain (Loss) on exchange rate and one-time expenses 420.6 590.7 -170.2 -28.8% Net profit (loss) attributable to equity holders Margin (%) Exclude Gain (Loss) on exchange rate and one-time

) (14.8%) Add(less): Loss/gain from extraordinary items* 3.9 16.9 (13.0) Net profit from ordinary activities attributable to the parent 326.6 291.9 (34.7) (10.6%) * Extraordinary items from non-operating

for Wastewater Management 3 Gross Profit from Operation excludes Other Revenue from Utilities Business. 4 Other Incomes mainly consists of Gain on exchange rate from USD Loan to related parties at WUPIN

315.8 255.2 219.6 (13.9%) (30.5%) 590.8 474.8 (19.6%) Add (less): Loss/gain from extraordinary items* (51.2) (89.1) (9.0) (34.3) (98.0) Net profit from ordinary activities attributable to the parent 264.6

53,444 million, increased by THB 3,137 million over the same period last year. The company’s profit from continuing operations was THB 1,658 million, increased by THB 379 million, and the profit margin for

5.6 -4.0 Net profit (loss) attributable to equity holders (Exclude Gain (Loss) on exchange rate) 99.9 299.1 -199.1 -66.6 Net profit (loss) attributable to equity holders Margin (%) (Exclude Gain (Loss

885 15.8 1,208 (15.2) 3,185 3,354 (5.0) Gain on financial instruments measured at fair value through profit or loss 157 183 (14.4) - n.a. 799 - n.a. Gain on trading and foreign exchange transactions