slightly increased from the previous quarter, but decreased from the same period of last year. The over-year decline could be attributed to increase in impairment loss on loans and debt securities in line

environment The Thai economy for the year 2018 expanded as expected according to its potential. For the last quarter of 2018, the economy continued to expand largely from domestic demands contributed both from

and services segment showed improvement during the last quarter of the year as a result of the government’s economic stimulus. Private investment contracted in all investment categories from the

income. Public spending also increased from spending on goods and services and compensation expenses while capital spending declined from the high base effect of last year from the disbursement of

6.70 percent from the same period of last year. The decrease came from non-interest income which fell Baht 2,871 million, or 19.00 percent, due to cancellation of funds transfer fees via digital channels

revenue decreased by 5.3% from 3Q17 due to a decrease in revenue from Education Business and revenue recognition from leased right assignment in the same period last year. Earnings before Interest, Taxes

, Sincerely yours Apinya Jarutrakulchai (Ms. Apinya Jarutrakulchai) Senior Executive Vice President Finance and Accounting Department Tel 0-2677-7000 Fax 0-2677-7011-2

of directors. : None Please be informed accordingly. Sincerely yours Apinya Jarutrakulchai (Ms. Apinya Jarutrakulchai) Senior Executive Vice President Corporate Secretary Department Tel. 0-2677-7000

different from The Board of directors. : None Please be informed accordingly. Sincerely yours Apinya Jarutrakulchai (Ms. Apinya Jarutrakulchai) Senior Executive Vice President Corporate Secretary Department

from The Board of directors. : None Please be informed accordingly. Sincerely yours Apinya Jarutrakulchai (Ms. Apinya Jarutrakulchai) Senior Executive Vice President Corporate Secretary Department Tel. 0