E_1 Legal_FA_2015_12_29-c A HibrWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2018 The Thai economy in the third quarter of 2018 grew at a decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles. Nonetheless, the business sector remained challenged by new modes of competition, the broade...

percent from 2017. Operating income amounted to Baht 121,401 million, an increase of 7.9 percent, driven by an increase of 7.1 percent in net interest income with a net interest margin of 2.40 percent, and

while revenue from residential projects is expected to increase in 2H19 and accordingly with CPN’s business plan. In 2Q19, growth in the Thai economy decelerated primarily driven by a decline in export

percent, mainly driven by lower gains on investments and net fees and service income. The decrease in net fees and service income was due to lower fees from securities business, in line with the capital

administrative expenses to operating revenue, and tax benefits from BOI.  Operating revenue continued to show growth compared to 9M/2018, mainly driven by 4 key growth drivers including “Younique Customized

4.5 percent from the third quarter of 2018. It was mainly from an increase of 9.6 percent in net fees and service income, driven by higher fee from bancassurance and mutual funds according to the Bank’s

50% of total subscribers, up from 35% in 1Q17 and driven by quality 4G network and popularity of video streaming. Consequently, data volume of usage (VOU) grew to 7.6GB/data sub/month, up from 4GB in

of 1Q2018 was THB 0.12 per share. The decrease in consolidated net profit was primarily driven from lower revenue from sales, lower share of profit from associated companies, and lower gain in foreign

Q4 2017 was positively driven by these two factors particularly the added capacity in Golden Lime and the addition of Saraburi Quicklime. Burnt lime sales volumes for the quarter were up 25kMt versus

2,954mn, an increase of 74.2% YoY. The growth was mainly driven by 1) the full-year consolidation of the System Integration segment through Trans.Ad Group and 2) the 5-month consolidation of International