was rated in the top level of "Excellence : 5 Stars" for fourth consecutive year. Overview of Economy and Competition in Commercial Banking In the first quarter of 2019, the Thai economy continued to
continued to expand from the previous quarter. The value of merchandise exports expanded in line with trading partners’ growth, global trade and the impacts of trade protectionism measures by the US and China
operating revenue by 23.6% YoY. Online sales continued to grow remarkably by 375.1% YoY, while home project sales grew by 69.4% YoY, and OEM sales grew by 249.6% YoY. The Company managed to maintain a
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
period of last year. The increase was derived from fees earned from loans, underwriting, private wealth management and mutual fund sales. Net interest income continued to rise. Likewise, net interest
E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending March 31, 2019 In the first quarter of 2019, the Thai economy continued to
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
. 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