awards we received in this quarter. B Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the First Quarter of 2019 1 1.2 Banking Industry and

sluggish effecting from Trade War which impacted the global economic sentiment. However, the Thai economy is attributed mainly by number of factors, namely 1.) Growth in Tourism sector particularly in 2H19 2

channels. In case of export, specify the domestic/export sales ratio, the export markets or the group of export markets for such major products or services; (b) Describe the industry competition during the

/export sales ratio, the export markets or the group of export markets for such major products or services; (b) Describe the industry competition during the preceding year, industrial and competition

effectiveness of pandemic control and vaccine development, the economic damage may be worse than what was seen during the 1997 financial crisis. Given volatility in the financial market and real sector which had

driven by global trade recovery and well-performing trading partners’ economies. Also, tourism sector robustly expanded, reflected from an increasing number of international tourist arrivals especially

of continuous expansion of Thailand’s economy. This is mainly driven by export sector, which enables to be well expanded including with gradual recovery of domestic economy significantly driven from

sector spending and consumption. The Group’s revenues during the last quarter of 2016 and 2017 was affected. In 2017, the Group had total revenues of THB 2,407.17 million with a decrease of THB 153.73

from contraction of export sector as global consumer demand weakened. The tourism sector and private consumption grew at a slower pace. On the other hand, the personal loan of commercial banks and

expanded in all categories. The expansion in global and domestic demand reflect to the growth of manufacturing sector. In term of public spending and private investment which strongly growth in all sector