-spending is widespread and many people start savings too late. In the future, with growing number of aged population, the problem will become even more pronounced and could affect the country?s financial

interactive communication forums with market participants to encourage information/view sharing and team-based problem solving; Preventive: setting a healthy balance between punitive and preventive approaches

ratio of gross non-performing loan (NPL) to total loans was at 2.9 percent, the same level as at the end of 2018. The Bank of Thailand’s Senior Loan Officer Survey indicated that in the first quarter of

of the Board of Directors of AEONTS and the Senior Managing Director of AFS 2Mr. Junichi Iwakami is the Senior Executive Vice President of AEONTS and Non-Executive Director of AEON Systems. Related

year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

Extraordinary General Meeting of Shareholders No. 1/2017 if the Company faces any problem in preparing the documents and information which results in any delay in preparing those documents and information and

). Please be informed accordingly, Sincerely yours Apinya Jarutrakulchai (Ms. Apinya Jarutrakulchai) Senior Executive Vice President Finance and Accounting Department Tel : 0-2677-7000 Fax : 0-2677-7011-2

year. This was due to the higher earnings before tax. Please be informed accordingly. Sincerely yours, (Ms. Wannee Juntamongkol) Senior Vice President – Accounting and Finance

Please be informed accordingly. Sincerely yours, Matching Maximize Solution Public Company Limited Mr.Wiroj Bunsirirungruang Senior Executive Vice President and Company Secretary

sincerely, Mr. Wit Tantiworawong Senior Executive Vice President