loans and interbank and money market items. Non-interest income fell by Baht 747 million or 5.2 percent due predominantly to lower gains on investments and net fees and service income, partly due to lower

represented 10.6% YOY while non-durable goods, in which high proportion of low to medium-income household expenditure, growth only 0.0% YOY since partly owing to household debt that was still elevated at 78% to

it is partly offset by slowdown Thailand tourism after the boat accident of Chinese tourists in July 2018. Q3’18 operating performance Hotels Q3’17 Q2’18 Q3’18 Santiburi Beach Resort & Spa No. of room

% 2 from 4.0% at the end of 2019 from asset quality management and also partly impacted by the current staging suspension for loans under financial assistance under the Bank of Thailand measures. 1

from the year 2018, partly due to the Bank of Thailand’s measures which increased the conditions in loan provision for real estate purchases and foreign customers are greatly reduced 3.3 Sales and

low agricultural prices. The tourism sector has also been slowing down, partly due to the effects of the rainy season and flooding in the northeastern region. However, the government has implemented

Malaysia, high demand for cars is partly driven by Sales and Service Tax exemption which will expire in June 2022. Cost of sales and services increased in accordance with higher sales. Gross profit increased

audit quality control of the Audit Firm, the Audit Firm is requested to provide a clear and concise details of the policies and procedures on the audit quality control, in the manner according to the

and (b) have a clear objective to share profits and costs and proportionate ownership, control or management power, have commons quality control system, business strategies, shared names or shared

marketing promotion activities of mobile operators after the consolidation within the industry became clear. In addition, the Company had gross profit from digital content of THB 18.91 million, increased by