the low yield segment – housing loans which expanded by 149.0% yoy and corporate lending loans grew by 126.5% yoy. Meanwhile, cost of fund for 1Q18 dropped yoy from 2.4% to 2.3% resulting in declining

% 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

customers in response to the macro low spending environment . The starting price was lowered to Bt399/Month for 100Mbps from Bt599/Month a year earlier; therefore, industry ARPU was on declining trend

Fund) The overall global aviation industry in 2019, Revenue Passenger Kilometers (RPK) increased by 4.2 percent - down from 7.3 percent annual growth observed in 2018. Africa region had the highest

has loss on cost of goods sold because the declining of raw material price and abnormal loss in manufacturing process. 2. Cost of Refining Service in the 2nd quarter of 2015, and 2014 cost of sale was

declining of raw material price and abnormal loss in manufacturing process. 2. Cost of Refining Service in the 2nd quarter of 2015, and 2014 cost of sale was THB 8.03 million and THB 18.97 million, with ratio

to the one time profit recognized in 4th quarter 2017 together with of the declining of oversea restaurants and the Food and Bakery Wholesales Business. The return on equity for full year comparison

to grow slower than forecasted. It was mainly due to the weakening export sector which attributed to the declining demand worldwide, resulting in the stagnant economic growth in several major trading

decreased from 10,164.5 million baht to 9,812.5 million baht, lower from the first six-month of 2018 by 3.5 percent. The declining scheduled passenger revenue was resulted from highly intense competition and

declining in revenue and gross profit and the increasing in administrative expenses. Financial Position As at 30 September 2018, the Group reported total assets at THB 936.6 million, decreased by THB 9.9