Ministry of Commerce Projection by KResearch 2017 2017 Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 2 1.2 Banking Industry and Competition In the third quarter of 2017, net profit of most commercial banks

Projection by KResearch Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 4.7 3.2 3.7 3.2* 1.3 1.5 0.8 0.7 0 1 2 3 4 5 2Q 3Q 4Q 1Q GDP Headline Inflation 2018 2018 2018 2019 2 pressure from the ongoing decline in net

: Office of the National Economic and Social Development Council and Ministry of Commerce Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 3.2 3.6 2.8 2.3 1.5 0.8 0.7 1.1 0 1 2 3 4 3Q 4Q 1Q 2Q GDP Headline

Projection by KResearch Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 2 for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and

Ministry of Commerce *Projection by KResearch Ye ar -o n- Ye ar C ha ng e ( pe rce nt ) 4.0 4.9 4.6 4.2* 0.9 0.6 1.3 1.5 0 1 2 3 4 5 6 4Q 1Q 2Q 3Q GDP Headline Inflation 1 1 1 1 2 1.2 Banking Industry and

National Economic and Social Development Council and Ministry of Commerce Ye ar -o n- Ye ar C ha ng e (p er ce nt) 2018 2019 2019 2019 2 1.2 Banking Industry and Competition Commercial banks’ overall

C ha ng e ( pe rce nt) 2 on financial transactions via digital channels and declining insurance premiums. Non-performing loans to total loans in this quarter was stable from the end of the prior

decreased by Baht 253 million corre sponding to EGAT’s lower dispatch instruction leading to fall in Energy Payment (EP) despite there was an increased in Availability Payme nt (AP) due to the Contracted

-o n- Ye ar C ha ng e (p er ce nt ) Sources: Office of the National Economic and Social Development Council and Ministry of Commerce Projection by KResearch as of May 5, 2020 2 1.2 Banking Industry and

Projection by KResearch as of December 9, 2019 Thailand Economic Growth Ye ar -on -Y ea r C ha ng e ( pe rce nt) 4.1 4.2 2.4 - 0.7 1.1 0.7 0.7 0 1 2 3 4 5 2017 2018 2019 2020* GDP Headline Infllation 2 1.2