both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by

million, decreasing Baht 2,221 million or 25.23 percent, over-quarter. The decrease could be attributed to non-interest income which fell Baht 8,785 million, or 54.37 percent, due mainly to the volatility

GLOW Fair Value of GLOW Differential Value (Unit: Million Baht) Assets 107,655 155,500 47,845 Liabilities (56,246) (66,497) (10,251) Net Assets of GLOW at 14 March 2019 51,409 89,003 37,594 Non

holding or non-holding company, is required to disclose material information in the following matters: (1) Monitoring system for the board of directors to oversee the management and operation of the

falling interest expenses. Meanwhile, non-interest income decreased Baht 1,030 million or 1.62 percent, due mainly to a decline in net insurance premiums. At the same time, operating expenses rose Baht

percent. Non-interest income also increased by Baht 858 million or 1.51 percent, derived mainly from revenue from sales of securities, while net premiums earned - net and fees and service income decreased