, outbound tourists, and economic activity. However, the rising inflation was an emerging factor pressuring purchasing power for price-sensitive consumers to look for cheaper packages. • Competition in the

Outlook for 2018 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Regulatory Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk

Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in 2018 and Outlook for 2019 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Regulatory

PEERAPAT TECHNOLOGY PUBLIC PUBLIC COMPANY LIMITED (PRAPAT) Mr. SOPON SIKKAKOSOL Spouse / Cohabiting Couple (Mrs.Kanokwan Sikkakosol) Common Share 20/10/2020 50,000 1.58 Purchase Link PEERAPAT TECHNOLOGY

Sale Link AFFTER YOU PUBLIC COMPANY LIMITED (AU) Mr. WIWAT KANOKWATANAWAN Spouse / Cohabiting Couple (-) Common Share 07/01/2021 3,900,000 10.00 Sale Link Last updated on 20 September 2023

(NC) Mr. BOONPAKORN CHOKVATHANA Spouse / Cohabiting Couple (Mrs. CHAMNEAN CHOKVATHANA) Common Share 08/03/2021 3,700 9.15 Purchase Link NEWCITY (BANGKOK) PUBLIC COMPANY LIMITED (NC) Mrs. CHAMNEAN

Link PAN ASIA FOOTWEAR PUBLIC COMPANY LIMITED (PAF) Mr. WICHIT PRAYOONWIWAT Spouse / Cohabiting Couple (Mrs. Kamolkarn Prayoonwiwat) Common Share 17/12/2021 200,000 2.65 Purchase Link Last updated on 20

/2023 10,000 Revoked by Reporter 56.00 Sale Link CENTRAL PLAZA HOTEL PUBLIC COMPANY LIMITED (CENTEL) Mrs. SIRIWAN WANGTHAMRONG Spouse / Cohabiting Couple (Mr. PATSAPONG WANGTHAMRONG) Common Share 18/05

Purchase Link THAI WACOAL PUBLIC COMPANY LIMITED (WACOAL) Mr. SUVIT WONGCHAROENVUTPORN Spouse / Cohabiting Couple (วงศ์เจริญวุฒภร) Common Share 14/12/2021 1,500 - Transfer Link THAI WACOAL PUBLIC COMPANY

Share 02/07/2021 200,000 6.30 Purchase Link S P V I PUBLIC COMPANY LIMITED (SPVI) Mr. TRISORN VOLYARNGOSOL Spouse / Cohabiting Couple () Common Share 12/03/2021 2,000,000 4.50 Sale Link S P V I PUBLIC