points at the end of 2018. Overall Business Operations The Bank’s loan portfolio during 1Q19 grew 1.9% with growth driven by corporate banking loans, real estate development loans and housing loans while

franchise fees (3) increased efficiency in support functions due to economy of scale that resulted in staff expense increasing slower than the company revenue growth. Zen Corporation Group Public Company

) higher revenues from franchise fees (3) increased efficiency in support functions Zen Corporation Group Public Company Limited 782/1 Soi Onnuch 17, Suanluang, Bangkok 10250 THAILAND Tel: 02-0195000 due to

million or equivalent to 35.36% when compared with the 1st quarter of 2018 because the Company appointed Management team to oversee the effectiveness of all functions. Page 3 of 3 Loss on Exchange Rate The

the effectiveness of all functions during the period. Page 3 of 3 Loss on Exchange Rate The Company and its subsidiaries’ loss on exchange rate in the 2nd quarter of 2019 were Baht 3.62 million or

effectiveness of all functions during the period. Page 3 of 3 Loss on Exchange Rate The Company and its subsidiaries’ loss on exchange rate in the 2nd quarter of 2019 were Baht 3.62 million or equivalent to 2.87

System to ASB Cambodia. In order to comply with the requirement of The National Bank of Cambodia, ASB Cambodia appointed AEON Systems to develop addition functions in the previous USD Based Loan system and

the real estate sector. In addition, the Company launched new housing project in a potential location. All houses were well designed in both layout and functions and the Company was able to maintain

the effectiveness of all functions during the period. Page 3 of 3 Loss on Exchange Rate The Company and its subsidiaries’ loss on exchange rate in the 3rd quarter of 2019 were Baht 5million, which

; and b) Engaged in audit regulatory functions in the public interest, and, in particular: - Ultimately responsible for the system of recurring inspection of audit firms undertaking audits of public