. Overall market environment The Thai economy continued to expand mainly from 2 key drivers relating to external factors, in line with the recovery of the overall global economic conditions (Global

overall loan growth for the first half of 2018 to expand by 10.2%. The Bank loan portfolio registered growth across all segments with hire-purchase portfolio continuing to expand by 2.8% from the end of

1Q18. 3 Overall Business Operations The Bank’s loan portfolio further expanded during 2Q18 with growth of 4.3% from the end of 1Q18, with overall loan growth for the first half of 2018 to expand by 10.2

businesses will create opportunities to expand the customer base both of the existing and the new market. These will result in having continuous income growth in the future.

are 300 million accounts with higher growth potential from the New Normal. For lending (PL Loan) business, the Company will target Boonterm kiosk’s Master Agents (MAs), sub-agents, MAs’ employees, and

vehicle segment resulting in the number of new car sales for the first 8 months of 2018 to expand by 21.1% yoy with the growth for the passenger car segment (including SUV) and the commercial vehicle

vehicle segment resulting in the number of new car sales for the first 9 months of 2018 to expand by 20.3% yoy with the growth for the passenger car segment (including SUV) and the commercial vehicle

to expand business to CLMV countries (Cambodia, Lao PDR, Myanmar, Vietnam), which are the countries having interesting growth direction of business. In the 1st quarter of , the Company enabled to sell

: +662 661 6664 1 3Q19 IVL Performance Summary IVL reported 3.3 mmt of production volume (5% organic and 18% inorganic growth yoy). Organic growth reinforces the demand growth in our business. Inorganic

expand largely from domestic demands contributed both from private consumption and private investment. Private consumption grew notably in durable goods segment (especially in vehicles) while growth in non