for 3Q19 at 7.0% while cost of funds was at 2.4% resulting in loan spread for 3Q19 to decline to 4.6% from 5.1% during 3Q18. For the three-month period ended Consolidated Change Sept 30, 2019 Sept 30

loan spread from 5.2% in 1Q17 to 4.9% in 1Q18. % 1Q17 2Q17 3Q17 4Q17 2017 1Q18 Yield on loan 7.6 7.6 7.7 7.4 7.5 7.2 Cost of fund 2.4 2.3 2.1 2.3 2.3 2.3 Loan spread 5.2 5.3 5.6 5.1 5.2 4.9 Net fees and

% resulting in declining loan spread from 5.2% in 1Q17 to 4.9% in 1Q18. % 1Q17 2Q17 3Q17 4Q17 2017 1Q18 Yield on loan 7.6 7.6 7.7 7.4 7.5 7.2 Cost of fund 2.4 2.3 2.1 2.3 2.3 2.3 Loan spread 5.2 5.3 5.6 5.1 5.2

declined slightly from 7.2% in 1Q18 to 7.1%. Meanwhile, cost of funds for 1Q19 was maintained at 2.3% resulting in loan spread for 1Q19 at 4.8%, a slight decline from 4.9% during 1Q18. 6 % 1Q18 2Q18 3Q18

areas including managing and controlling fixed and variable costs, monitoring company’s liquidity, managing any policy relating to employees and revising the short-term plan to ensure the least impact to

offered for sale 3. Sources of the pricing of the securities being offered for sale 4. Price of the ordinary shares in the secondary market 5. Subscription, distribution and allocation Contents (continued

be carried out according to the measures laid down, the situation can be resolved, and the economy could recover. The Company has been monitoring the situation closely and has launched several policies

และปรับปรุงการลงทุน (monitoring & rebalancing) ให้สอดคล้องกับผลการประเมินระดับความเสี่ยงที่ลูกค้ายอมรับได้ และเป้าหมายในการลงทุนของลูกค้า โดยใช้ระบบอิเล็กทรอนิกส์      

system for receiving and delivery the client ’s assets between the intermediary and such third party, and for monitoring the consequence thereof. In this regard, while awaited delivery of the asset or

to Baht 166 million, a decrease of Baht 109 million (40%). This is a consequence of close monitoring. Selling and administration expenses amount to Baht 10 million which is Baht 27 million lower from