) Increased (decreased) As of June 30,2017 As of December 31,2016 Million baht Percent 1 Total Assets 3,600.17 3,601.56 (1.39) (0.04) 2 Total Liabilities 1,499.01 1,453.92 45.09 3.10 3 Total Shareholders

. 20/2008 Re: Procedure for entering into the material transaction, which is regarded as the Acquisition or Disposal of Assets. The size of Proposed Transaction is less than 15% consequently, this

2017 3.2. Assets, Liabilities & Shareholders’ Equity The main contributors to the increase in total assets are from an increase in inventory mainly fuel and also the impact of an increase in property

P a g e 1 | 8 Management Discussion and Analysis For the nine-month period ended September 30, 2017 The analysis of consolidated financial position as at 30 September 2017 The group’s assets

of the staff cost resulting from the increase of minimum wages and the employment due to the branch expansion, as well as the increase of the rents of the existing branches and new branches. Net Profit

end of 2017 declining to 5.0% from 5.6% at the end of 2016. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 987 million and had gain of Baht 481 million

because the purchasers possess the sophisticated knowledge, ability, expertise and many years of experiences in the business of wood manufacturing and distributing as well as other related businesses such

loans ratio at the end of 2017 declining to 5.0% from 5.6% at the end of 2016. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 987 million and had gain of

decreased from 19.2 percent in 2017 to 15. 4 percent in 2018 as well as the return on assets decreased from 12.6 percent in 2017 to 10.0 percent in 2018. The current ratio in 2018 was as the same rate as last

expenses for the first quarter of 2019 and the income tax expenses to revenue from main business were not significantly change compared to the same period of the previous year. 4 Financial position Assets