from the growth in deposit consistent with the overall expansion in loan portfolio. Cost of fund for 2018 was maintained at 2.3%, the same level as in 2017. For the year ended Consolidated Change Dec 31

a compounded annual growth rate (CAGR) in revenue of approximately 13% per year. The strategic direction to expand the business through mixed-use development, such as new shopping malls, enhancement

expanded at 83.9%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017

on process of transfer, 2 of which under development and 1 low-rise residential project for sale (totaling 71 units in all phase), which includes the properties transferred to CPN Retail Growth

showing an expansion with sales for the first five months totaled 437,722 units, growth of 9.1%. The passenger vehicle and commercial vehicle segment expanded by 11.7% and 7.5% yoy respectively with growth

real estate development loans and SMEs loans, details are as follows: Real estate development loans (RE) totaled Baht 30,682 million, with continuing expansion of 5.6% from the end of 2018. SMEs loans

development loans and SMEs loans, details are as follows: Real estate development loans (RE) totaled Baht 31,591 million, expansion of 8.7% from the end of 2018. SMEs loans were Baht 29,308 million with growth

development loans (RE) totaled Baht 31,240 million, with continuing expansion of 7.5% from the end of 2018. SMEs loans were Baht 26,876 million, slight growth of 0.4%. SMEs loan comprises of several business

loans (RE) totaled Baht 31,240 million, with continuing expansion of 7.5% from the end of 2018. SMEs loans were Baht 26,876 million, slight growth of 0.4%. SMEs loan comprises of several business sectors

growth in exports 2) political uncertainties which may inhibit investments and consumptions and 3) high level of household debts still limiting consumptions. For the auto industry, expansion continued