such change to the SEC Office within seven days from the effective date of the change specifying therein the effective date of such change. Clause 3. The SEC Office shall notify the derivatives business

change to the SEC Office within seven days from the effective date of the change specifying therein the effective date of such change. Clause 3. The SEC Office shall notify the derivatives business

notify and submit a written documents specifying such change to the SEC Office within seven days from the effective date of the change specifying therein the effective date of such change. Clause 3. The

net profit margin 2) higher depreciation resulted from additional investments in plant, machinery, and office renovations to improve production efficiency and reduce production cost, in order to prepare

have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most

with these changes in order to move forward in a sustainable way. Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) Year Change 4/2019 3/2019 4/2018 3/2019 4/2018 2019

decline in consumption of Construction Sectors, as well as Steel Sectors. However, the Company still maintains the operation at 15 hours per day in order to keep production capacity at high level and, at

target customers in order to realize the importance and improve the quality of goods and services as well. Management's Discussion and Analysis and operating results for the Year 2017 Page 2 / 10 At the

of the shareholders or [iii] any other proceeding in order to perform in accordance with law on capital market, which have to be provided the asset appraisal for support. “law on capital market” means

customer engagement in order to reinforce our digital banking leadership, in support of the national policy of making Thailand a cashless society, we launched a “No Fees” campaign for funds transfer, top-up