rate translation, revenue from sales grew by 6.7% YoY at constant FX. The growth drivers lie in our core businesses, both domestic beverages and personal care with the growth of 6.6% and 10.7

growth mainly coming from home loans and car loans. Meanwhile, credit card loans and personal loans continued to expand. Deposits grew by 4.2 percent from the end of 2018. The ratio of loans to deposits

million cards, has grown by 1% more than last year. Credit Card receivable was 394,123 million baht, with the growth of 9% from the same period last year. For personal loan industry, the numbers of account

at ATMs.  Strengthening of customers’ data protection and privacy management: A working group was set up to study and progress action to comply with the personal data protection law which will come

& Calpis grew 1.5% YoY and above market growth. C-Vitt became #1 brand in functional drink with market share of 23.3% in Q3’18 from 16.9% in Q2’18. Domestic Personal Care grew 9.1% YoY. At constant FX

immersive customer experience for everyone. - CentralPlaza Nakhon Ratchasima, the 31st shopping mall, was officially opened on November 3, 2017, as part of the largest mixed-use development project in the

358,413 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under supervision amounted to 13.7 million accounts, 6% more

than last year. Credit Card receivable was 418,747 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under

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

business is operated under the management of JMT Network Services Public Co., Ltd., Property development is performed under the operation of JAS Asset Public Co., Ltd., Personal loan business is operated