Overall Business Operations During 3Q19, the overall Bank’s loan portfolio grew by 4.2% from the end of 2018 with growth continue to be driven across almost all segments except in the hire purchase segment

first six months totaled 523,770 units, growth of 7.1%. The passenger vehicle and commercial vehicle segment expanded by 8.5% and 6.2% yoy respectively with growth supported by the improvement in farm

portfolio grew by 2.1% from the end of 2018 with growth driven across almost all segments but with contractions in the hire purchase and SME loans segment. The hire purchase portfolio declined by 2.7% from

gas price. In addition, cost of repair and maintenance of Natural Gas Power Plant also decrease because they perform management and maintenance the plant by using in-house service instead of hiring

% from the same period in 2018. The decrease in revenue resulted mainly from the decline of revenues from the manufacturing and selling of Special Cutting Tools segment, which include sales from the

continues to grow steadily, with relatively high gross profits. In Q3, the corporate client segment showed a recovery in private sector investment and a return to normal government disbursements, contributing

same period in 2019. The decrease in revenue resulted mainly from the decline of revenues from the manufacturing and selling of Special Cutting Tools segment, which include sales from the Company, the

Natural Gas Power Plant also decrease because the plant using in-house management and maintenance services instead of hiring external services company, resulting to reduction in cost of engineering and

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vehicle segment expanded by 13.0% and 12.9% yoy respectively with growth stemming from the increase in consumer confidence from the improvement in both farm income and non-farm income. In the equity market