Management Discussion and Analysis for Interim Business Operations Financial Performance for the year ended December 31 , 2018 (Unit : M ill ion Baht) 2018 2017 Inc./(Dec.) % Construction income

million write-off, more staff hiring in headquarter to serve expansion , activities for future business plan and higher asset depreciation. After You Pcl. 1319/9 Pattanakarn Rd. Suanluang, Bkk 10250

Regulations - PVD Act Ministerial Notifications Regulatory Summaries Fundraising Market Professionals Financial reporting and audit oversight Mutual Fund Cross-border Offering of Funds Business Operators

active customers of 2.15 million IDs, mainly from Bangkok 31%, and in up-country 69%. Details of each business can be described as follows: - Credit Card Credit cards turnover shared 54% of total turnovers

longer term. These include signing off on a single source of truth vide ONE SAP across our businesses, setting up a global shared services center in India and taking a deep dive into our fibers business to

suspended account for write-off).However , cash collection is not an indicator of actual cash flow of our NPL management business nor a standard indicator prescribed by TFRS, and so our methods of calculation

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

%, compared to the same period of last year. As the Company recorded deferred revenue from selling assets to WHA Business Complex Freehold and Leasehold Real Estate Investment Trust (“WHABT”) on 6 November 2015

, income earned from one-off events, etc. (2) Percentage margin is calculated by dividing Gross profit from sales by Revenue from sales (3) Percentage margin is calculated by dividing Gross profit from

with business partners. However, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in