to certain groups of customers and limited growth in some types of loans amid an uneven economic recovery. In addition, net fees and service income of the banking system continued to enjoy steady
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government’s investment projects. Nonetheless, small business and retail loans may see only limited growth amid a feeble recovery in purchasing power. Close attention should be paid to competition in the market
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equities attributable to Owner 18,655 18,880 1.2% Net-int debt to equity (times) 1.4 1.5 B.GRIMM POWER PUBLIC COMPANY LIMITED Management’s Discussion and Analysis PROGRESS OF PROJECTS UNDER CONSTRUCTION AS